In a medium bowl, mix the softened cream cheese, shredded cheddar, diced peppers, and garlic powder until well combined.

Fold the cooked beef bits and crushed crackers into the cheese mixture.

Spread a thin, even layer of the filling over each flour tortilla, leaving a half-inch border around the edges.

Roll the tortillas up tightly and wrap each one in plastic wrap.

Chill in the refrigerator for at least 1 hour to firm up.

Unwrap and slice each roll into 1-inch thick rounds before serving.