Dice onion and garlic. Heat oil over medium heat and cook onion until tender. Add garlic until fragrant. Stir in refried beans and mix until they are soft. Add cumin, garlic powder, onion powder, salt and pepper to taste and then simmer beans for 5 minutes. Spread beans onto tortillas and add cheese. Roll.
To Freeze: Freeze in freezer safe container or individually wrapped in foil.
To Reheat: Heat in the microwave until hot. Add additional cheese to top of burrito if desired.