Heat the olive oil in a large skillet over medium heat. Add the onion, bell pepper, jalapeno pepper and garlic and cook until softened, about 5 minutes. Add the cumin, chili powder and salt and stir to combine.
Add the black beans and cooked rice or quinoa to the skillet and stir to combine. Cook until heated through.
Divide the filling among the four tortillas. Roll up burritos and serve warm.
Optional: Top with diced tomatoes, shredded cheese, avocado slices or your favorite toppings.