Preheat the oven to 350 degrees. Grease a 9×13 baking dish.
In a large skillet over medium-high heat, brown the ground beef and onion, breaking the meat apart and stirring occasionally until no longer pink and onions are softened, approximately 8 minutes. Drain meat mixture and return to pan.
Turn the heat down to medium and add the remaining ingredients for the meat mixture and combine well. Turn the heat down to low and stir occasionally for 10 minutes to allow flavors to “marry.”
While the meat is simmering, pour 1/3 cup of the enchilada sauce in the bottom of the greased 9×13 baking dish, spreading a thin layer on the bottom.
To assemble, spread 2 tablespoons of refried beans down the center of each flour tortilla.
Place about half a cup of the meat mixture on top of the beans and roll to enclose the enchilada. Place seam-side down in baking dish.
Continue to fill and roll tortillas, as many will fit.
Pour the remaining enchilada sauce over the top of enchiladas, using as much or as little as you would like. (Save any leftovers for dipping or over nachos.)
Sprinkle the shredded cheese over the top of the sauce.
Bake uncovered in the preheated oven for 30 to 35 minutes, or until bubbling around the edges and the cheese is melted. If you like your cheese on the “more toasty” side, broil for a minute or two…. Just don’t walk away. Keep an eye on it so it doesn’t burn. Serve with toppings of choice.