01 -
In a large skillet over medium heat, cook the ground beef and chopped onion until the beef is thoroughly browned. Drain off any excess fat.
02 -
Stir in garlic powder, chili powder, cumin, salt, and black pepper. Continue cooking for 2 minutes to combine all flavors.
03 -
Remove from heat and fold in cheddar and Monterey Jack cheeses. Add refried beans, if using, and mix thoroughly.
04 -
Gently warm tortillas to make them pliable for rolling.
05 -
Spoon a portion of the beef and cheese mixture onto the center of each tortilla. Fold in the sides and roll up tightly.
06 -
For frying, heat approximately 1 inch of vegetable oil in a deep skillet over medium-high heat. Place chimichangas seam-side down and fry until golden brown, about 2 to 3 minutes per side.
07 -
Alternatively, preheat the oven to 400°F. Place assembled chimichangas seam-side down on a baking sheet, brush with vegetable oil, and bake for 20 to 25 minutes or until golden and crisp.
08 -
Serve immediately with accompaniments such as sour cream, salsa, or guacamole.