- Preheat your oven to 400°F. Line a baking sheet with parchment paper or lightly grease it. 
- In a medium bowl, mix together the cream cheese, cheddar, green onions, bell pepper, jalapeños (if using), garlic powder, salt, and pepper. 
- Lay out the tortillas and divide the cheese mixture evenly between them. Spread it all the way to the edges. 
- Roll each tortilla up tightly like a cigar, then slice each into about 1-inch rounds. You should get 6-8 pieces per tortilla. 
- Place them flat-side up on the prepared baking sheet and spray lightly with olive oil. 
- Bake for 12-15 minutes, or until golden and bubbly. 
- Serve warm with salsa, sour cream, or ranch dip. Watch them vanish.