Heat a small amount of oil over medium heat in a large saucepan. Add onions and cook until translucent. Add garlic; cook and stir for 30 seconds.

Add beans, rotel and cream cheese and heat through. Stir in rice and season with cumin, chili powder and salt & pepper to taste. Stir in cilantro.

Optional ingredients: sour cream, shredded cheese, chopped tomatoes, avocado

Wrap in tortilla and serve