Preheat your oven to 350°F (175°C).
In a mixing bowl, combine the softened cream cheese, ½ cup of cheddar cheese, black beans, diced onions, garlic powder, cumin, salt, and pepper. Mix until well combined.
Take a flour tortilla and spoon about ¼ cup of the cream cheese filling onto the center. Roll the tortilla tightly around the filling and place it seam-side down in the baking dish. Repeat this step for all tortillas.
Pour the enchilada sauce evenly over the rolled tortillas in the baking dish.
Sprinkle the remaining cheddar cheese and Monterey Jack cheese over the top of the enchiladas.
Cover the baking dish with aluminum foil and bake in the preheated oven for 20 minutes.
After 20 minutes, remove the foil and bake for an additional 5 minutes or until the cheese is bubbly and golden.
Once done, remove from the oven and let it cool for a few minutes before serving. Garnish with fresh cilantro if desired.