01 - Heat 1 tablespoon vegetable oil in a large skillet over medium heat. Add chopped onion and cook until translucent, about 3 minutes. Stir in minced garlic and sauté for 1 minute.
02 - Add ground beef to the skillet. Break apart with a spoon and cook until browned and fully cooked, 5 to 7 minutes. Drain excess fat if needed.
03 - Stir in cumin, chili powder, smoked paprika, oregano, salt, and black pepper. Mix thoroughly to evenly coat the beef.
04 - Add tomato sauce and black beans to the skillet. Simmer gently for 5 minutes, stirring occasionally, until heated and slightly thickened. Adjust seasoning to preference.
05 - Heat flour tortillas in a dry skillet or microwave until soft and pliable.
06 - Divide beef and bean mixture evenly onto the lower third of each tortilla. Sprinkle with ⅓ cup shredded cheddar cheese per tortilla.
07 - Fold in the tortilla sides and roll tightly to enclose the filling fully.
08 - For a crisp exterior, heat remaining 1 tablespoon oil in a clean skillet over medium-high heat. Sear burritos 1 to 2 minutes per side until golden brown.
09 - Serve warm with optional toppings such as sour cream, salsa, cilantro, or jalapeños.