01 - Heat a large skillet over medium heat. Add ground beef and cook, breaking up with a spatula, until browned and fully cooked, about 5 to 6 minutes. Drain excess fat if necessary.
02 - Add the chopped onion and minced garlic to the skillet with the beef. Sauté for 2 to 3 minutes until softened.
03 - Stir in diced tomato (if using), ground cumin, chili powder, smoked paprika, black pepper, and salt. Cook another 2 minutes until fragrant and well combined.
04 - Mix refried beans thoroughly into the beef mixture and heat for 2 to 3 minutes until warmed through.
05 - Warm the flour tortillas in a dry skillet or microwave until pliable.
06 - Spoon beef and bean mixture evenly down the center of each tortilla. Sprinkle with shredded cheddar cheese.
07 - Fold in the sides and roll up each tortilla to enclose the filling.
08 - If desired, place burritos seam-side down in a hot skillet for 1 to 2 minutes to crisp tortillas slightly.
09 - Serve hot, topped with sour cream, shredded lettuce, chopped cilantro, salsa, and jalapeños as preferred.