Lay a flour tortilla flat on a clean surface or cutting board.

Spread about 2 tablespoons of peanut butter evenly over the tortilla, leaving a small border around the edges.

Drizzle about half a tablespoon of honey over the peanut butter layer.

Sprinkle a pinch of cinnamon across the surface.

Lay banana slices in a single layer across the tortilla.

Add chocolate chips or granola if using.

Roll the tortilla up tightly from one end to the other, pressing gently to seal.

Slice into 1-inch pinwheels. Repeat with remaining tortillas and serve immediately or wrap for later.