Begin by mixing the softened cream cheese with Dijon mustard, garlic powder, and black pepper in a mixing bowl until the mixture is creamy and well-combined.

Take a flour tortilla and place it on a clean surface. Evenly spread a generous layer of the cream cheese blend across the tortilla.

Next, arrange slices of ham over the cream cheese, followed by a sprinkling of shredded cheddar cheese. If desired, add fresh chives for an extra burst of flavor.

Carefully roll the tortilla from one side to the other, ensuring it’s tightly wrapped. Repeat this process with the remaining tortillas and filling.

Wrap each rolled tortilla in plastic wrap and let them chill in the refrigerator for about 30 minutes to set.

Once chilled, unwrap the rolls and slice them into bite-sized pinwheels. Serve them on a platter and savor the deliciousness!