Heat vegetable oil in a large skillet over medium-high heat.
Add the diced onion and bell pepper; sauté for 5 minutes until the vegetables are translucent and softened.
Incorporate the ground beef into the skillet, cooking until thoroughly browned and breaking the meat into small crumbles; drain excess fat.
Add minced garlic, chili powder, cumin, salt, and pepper; cook for 1 minute while stirring to incorporate spices.
Place flour tortillas on a flat work surface and distribute the beef mixture evenly into the center of each.
Top the beef mixture on each tortilla with 0.5 cups of shredded cheddar cheese.
Fold the parallel sides of the tortilla inward and roll from the bottom to create a tight, sealed cylinder.
Wipe the skillet clean and return to medium heat. Place the wraps seam-side down in the pan.
Toast for 2 to 3 minutes per side until the exterior is golden brown and the internal cheese is fully melted.