01 - In a medium bowl, beat the cream cheese and sour cream together until completely smooth and well incorporated.
02 - Stir in the cheddar cheese, red bell pepper, green onions, black olives if using, garlic powder, salt, and black pepper until uniformly distributed throughout the mixture.
03 - Lay a tortilla flat on a clean work surface. Spread one-fourth of the filling evenly across the entire surface, extending to the edges for complete coverage.
04 - Roll the tortilla up snugly from one end to the other, applying gentle pressure to create a tight cylinder. Repeat with remaining tortillas and filling.
05 - Wrap each rolled tortilla securely in plastic wrap and refrigerate for at least 1 hour. This firms the filling and ensures clean, neat slices.
06 - Remove from plastic wrap and slice each roll into 6 even pinwheels. Arrange on a serving platter and serve immediately, or keep refrigerated until ready to serve.