Heat a non-stick skillet over medium heat. Add the turkey and sprinkle the chili powder, cumin, onion powder, cayenne, salt, and pepper over the top.
Cook until no longer pink, breaking the meat apart as it cooks. Stir in the taco sauce. Turn heat to low to keep the turkey mixture warm.
Heat the hard taco shells according to package directions.
Warm the flour tortillas by wrapping in a damp paper towel and heating in the microwave for 20-30 seconds or until warm.
Spread on side of each flour tortilla with refried beans. Wrap the tortilla around a hard taco shell. Fill with turkey mixture and top with toppings as desired.
Notes
Add the dry seasonings to the raw turkey as it begins to cook. The spice gets into the meat and develops more flavor than adding at the end.
Adjust the amount of chili powder and cayenne for more or less spice. Not a fan of cumin? Omit and add more chili powder.