Preheat oven to 400 degrees. Brush tortillas with oil on both sides and bake for about 10-12 minutes -- turning, rotating tray, and salting lightly -- until lightly browned and crisp.
Sautee chopped onion in remaining oil until softened, about 5 minutes. Add spices and sautee for another 30 seconds. Add beans with 1/2 cup water and cook over medium heat, mashing with a potato masher, 8-10 minutes until partially smooth and combined.
Off heat, stir in half the cilantro. Spread on tortillas, top with chicken and cheese, and return to hot oven for several minutes to melt. Sprinkle with remaining cilantro and serve.