Cook the ground beef in a skillet over medium heat, breaking it apart as it browns.
Add the taco seasoning and a bit of water, stirring until combined; then let it simmer for 5 minutes.
Stir in the black beans and cooked rice, mixing until evenly distributed.
Remove from heat and let the mixture cool slightly before assembling the burritos.
Lay out each tortilla and place a generous scoop of the mixture down the center, topped with cheese.
Fold the sides of the tortilla inward, then roll it up tightly from the bottom to the top.
Heat oil in a skillet over medium-high heat; place the burritos seam-side down in the skillet.
Cook for about 3-4 minutes on each side until golden brown and crispy.
Serve hot with your favorite toppings such as sour cream, guacamole, or salsa.