In a medium saucepan, combine the chili and the beans. Heat over medium heat until warmed through and thoroughly mixed.

Scoop about 1/3 cup of the bean mixture onto the middle of a tortilla. Top with cheese. Fold tortilla into a pentagon shape. (I found that it was easiest to do when I warmed up the tortillas for a few seconds in the microwave.)

Place each star fold side down on a pan (or panini press or grill pan) heated over medium-high heat. Cook until golden on both sides.

Serve with salsa or sour cream if desired.