Heat olive oil in a large skillet over medium heat. Add chopped onions and bell peppers, cooking for 6-8 minutes until softened and lightly golden.

Increase heat to medium-high and add the beef. Season with salt, pepper, and garlic powder if using. Cook for 4-6 minutes, stirring frequently, until the beef is browned but still slightly pink inside.

Reduce heat to low and lay provolone cheese slices directly over the hot beef mixture. Cover the pan and let it melt for 2-3 minutes until completely melted and coating everything evenly.

Remove from heat and let cool for 2-3 minutes. Spoon about ¾ cup of the beef mixture onto the center of each tortilla, leaving 2 inches on each side. Roll tightly but gently.

Return the skillet to medium heat. Place roll-ups seam-side down and cook for 4-5 minutes total, turning every minute to brown all sides until golden and crispy.