In a mixing bowl, combine cream cheese and sour cream or Greek yogurt until smooth.

Stir in shredded cheese and seasonings to create a flavorful filling.

Add diced bell peppers, shredded carrots, green onions, and chopped spinach to the mixture and gently fold.

Spread the creamy vegetable mixture over a tortilla, maintaining a border, then roll tightly.

Wrap rolled tortilla in plastic wrap and chill for at least 30 minutes.

Slice the chilled tortilla into 1-inch pinwheels and serve on a platter.