Warm the pan. Set a nonstick skillet over medium heat and spray lightly with cooking spray.
Cook the turkey. Add the ground turkey with a pinch of salt, pepper, chili powder, and cumin.
Cook 3–4 minutes, breaking it up until no longer pink. Remove to a plate.
Sauté the veggies. In the same pan, spray again and add onion and bell pepper. Cook 2–3 minutes until softened.
Scramble the egg whites. Pour in egg whites.
Stir gently until set and fluffy, about 2 minutes. Season with a pinch of salt and pepper.
Combine the fillings. Return the turkey to the pan with the egg whites. Stir in black beans and half the cheese just until the cheese melts.
Warm the tortilla. Microwave the tortilla for 10–15 seconds to make it pliable, or briefly warm it in a clean skillet.
Assemble. Spread Greek yogurt down the center of the tortilla.
Spoon the hot filling over it. Top with salsa and the remaining cheese. Add cilantro or hot sauce if you like.
Wrap it up. Fold the sides in, then roll from the bottom up into a tight burrito.
Toast (optional but recommended). Place the burrito seam-side down in the dry skillet over medium heat for 1–2 minutes per side to crisp the exterior and seal it.
Serve. Slice in half if you want, squeeze a little lime, and enjoy.