Wrap tortillas in foil or parchment paper and heat in oven at 350°F for 5 to 7 minutes or until heated through. Watch closely as different brands of wraps will take varying amounts of time to reheat.
Meanwhile, sauté garlic in olive oil over medium heat for 1 minute. Add beans. Add seasonings and heat over medium heat until hot.
Spoon a generous 1/2 cup bean mixture down center of a warmed tortilla.
Top with diced onion, tomato, cilantro, lettuce, sour cream, and guacamole.
Roll up tortilla and serve immediately.
Notes
I recommend checking ingredients when buying refried beans, avoiding those with added oil and spices, and adding your own herbs when heating beans. This way you have more control over what goes in your food. If you buy beans already seasoned, you can skip the seasonings I have in the recipe.