01 - In a medium bowl, beat the softened cream cheese and sour cream together until completely smooth and lump-free.
02 - Stir in the shredded cheddar cheese, diced red bell pepper, chopped green onions, black olives, garlic powder, salt, and black pepper until well combined.
03 - Lay a tortilla flat on a clean surface. Spread one-quarter of the filling evenly over the entire surface, extending to the edges.
04 - Roll the tortilla up tightly from one end to the other, applying firm pressure to create a compact cylinder.
05 - Repeat the spreading and rolling process with the remaining three tortillas and filling mixture.
06 - Wrap each rolled tortilla securely in plastic wrap and refrigerate for at least 1 hour to firm up for cleaner slicing.
07 - Unwrap the chilled rolls and slice each into 6 even pinwheels. Arrange on a serving platter and serve immediately or keep refrigerated until serving.