In a large skillet, sauté the chopped onion over medium heat until translucent, about 3-4 minutes.

Stir in the minced garlic and cook for an additional minute until fragrant.

Add the ground beef to the skillet and cook until browned, about 5-7 minutes.

Sprinkle in the taco seasoning and mix well.

Stir in the cooked rice and black beans until evenly combined.

Add the shredded cheese on top and cover the skillet for a few minutes until melted.

Warm the tortillas in a separate pan or microwave until pliable.

Spoon the filling onto each tortilla and roll them up tightly, tucking in the ends.