Preheat and Prep: Preheat the oven to 425°F. Lightly coat a large sheet pan with cooking spray.
Brown The Beef: Heat a large skillet over medium heat. Add the olive oil, ground beef and ½ teaspoon of the salt. Cook, breaking apart, until browned and mostly cooked through, about 5-6 minutes.
Add the Beans & Seasonings: Stir in the tomato paste, beans, chili powder, smoked paprika, onion powder, garlic powder, and ¼ teaspoon of salt. Simmer for 2–3 minutes, until thickened, stirring frequently. If the mixture starts sticking, add a splash of water to loosen it. Using the back of a fork, gently mash the beans into the meat mixture.
Assemble The Tacos: Working in batches if needed, lay the tortillas flat on the sheet pan. Spread about 2 tablespoons of the beef and bean filling on one half of each tortilla, then sprinkle with about 2 tablespoons of cheese.
Bake Until Crispy: Lay flat on the baking sheet and spray both sides with cooking spray. Repeat with remaining ingredients, arranging the filled tortillas evenly on the baking sheet with as little overlap as possible. Note: If your tortillas break when folding, I added a tip in the notes section below to help!
Bake for 15-20 minutes, flipping halfway, until crisp and golden on both sides. Allow to cool slightly, then serve with dipping sauce of choice.
Optional Salsa Dipping Sauce: Stir the yogurt or sour cream and salsa together until smooth. Serve on the side for dipping, or carefully open each taco to drizzle in a little sauce before serving.