Cut tortillas into desired shapes. I find it’s best to use kitchen shears for main shapes and then a pairing knife for jack-o-lantern and ghost eyes and mouth.
Preheat oven to 400 degrees and line sheetpan with foil or parchment paper. If using foil, spray with cooking spray.
Arrange tortillas on the sheetpan. Spread a thin layer of slightly heated refried beans (to make it easier to spread) followed by cheese on each one. Top with Cut out tortillas and bake for 7-8 minutes, until cheese is melted and tortillas start to toast.
Serve with any and all desired toppings and enjoy!!