Preheat the oven to 400°F.
Heat olive oil in a large skillet over medium high heat and cook ground beef for 5-7 minutes until browned and cooked through.
Sprinkle in the taco seasoning and ¼ cup of water. Stir to combine, letting it simmer for 2-3 minutes.
Lightly grease or line a large baking dish with parchment paper.
Spread a thin layer of refried black beans, a scoop of ground beef, and a handful of cheese on each tortilla..
Fold each tortilla in half and place on sheet pan.
Lightly spray the tops of the tacos with cooking spray (this helps them get crispy).
Bake for 10-12 minutes, or until the tortillas are crispy and the cheese is melted.
Serve with your favorite taco toppings like tomatoes, lettuce, and sour cream