01 - Heat a large skillet over medium heat. Add ground beef and cook, breaking it up with a spatula, until browned and fully cooked, about 5 to 6 minutes. Drain excess fat if necessary.
02 - Add chopped onion and minced garlic to 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 for 2 minutes until spices become fragrant and well combined.
04 - Mix the refried beans into the beef mixture. Heat through for 2 to 3 minutes, stirring frequently to combine evenly.
05 - Heat the flour tortillas in a dry skillet or microwave until pliable and warm.
06 - Evenly distribute the beef and bean mixture along the center of each tortilla. Sprinkle with shredded cheddar cheese.
07 - Fold the sides of each tortilla inward and roll tightly to enclose the filling.
08 - Place burritos seam-side down in a hot skillet for 1 to 2 minutes to lightly crisp the exterior, if desired.
09 - Serve immediately, topped with sour cream, shredded lettuce, fresh cilantro, salsa, and sliced jalapeños to taste.