Preheat the oven to 425°F. Line a baking sheet with foil and coat with nonstick spray. Place the oven rack in the top position.
In a medium bowl, mash the black beans with the cumin, chili powder, garlic powder, and lime juice until mostly smooth with some texture remaining.
2 (15.5) oz can black beans, 1 teaspoon cumin, 1 teaspoon chili powder, 1 teaspoon garlic powder, 2 teaspoons lime juice
Warm the tortillas in the microwave for about 60 seconds until soft and flexible.
8 corn tortillas
Brush one side of each tortilla with olive oil. Place them oil side down on the prepared baking sheet.
1 Tablespoon olive oil
Divide the bean mixture and cheese between the tortillas. Fold each tortilla in half and press gently to hold the filling in place.
1 ½ cups shredded cheddar cheese
Bake for about 14 minutes, flipping halfway through, until the tortillas are crisp and lightly golden.
Remove from the oven and top with your choice of garnishes. Serve right away.
Pickled red onion, Cilantro, Avocado, Cotija cheese, Sour cream