In a bowl, combine the diced chicken (or black beans), chopped spinach, diced tomatoes, sour cream, taco seasoning, and half of both cheeses (cheddar and pepper jack). Mix well until thoroughly combined.
Place one large flour tortilla on a clean surface. In the center, add a generous scoop of the filling mixture. Top with a sprinkle of the remaining cheeses.
Starting from the edges, fold the tortilla over the filling like a gift box. Make sure to fold tightly to secure the contents inside.
Heat a non-stick skillet over medium heat and add a small amount of cooking oil. Carefully place the folded crunchwrap seam-side down in the skillet. Cook for about 3-4 minutes until golden brown and crispy. Flip and repeat on the other side.
Remove the crunchwrap from the skillet and keep warm while you repeat the process with the remaining tortillas and filling.
Cut each crunchwrap in half to reveal the melty, cheesy filling. Serve hot with salsa on the side for dipping.
Notes
You can substitute chicken with black beans for a vegetarian option.