Combine first 7 ingredients in a bowl.
Place a large skillet coated with cooking spray over medium-high heat until hot. Add 1 tortilla, and top with 1/4 cup bell pepper mixture. Sprinkle with 1/4 cup cheese; top with 1 tortilla. Cook 2 minutes on each side or until golden, pressing down with a spatula. Repeat procedure with remaining tortillas, bell pepper mixture, and cheese.
I would leave out the cumin next time and go a lil' heavier on the cheese. Plus I might go chihuahua or oaxacan cheese next time, but otherwise, this is a solid recipe. Wasn't sure about the onion, but it was really good in this.