Coat a large, nonstick pan with cooking spray. Add olive oil and heat. Add ground turkey, onions, and garlic. Brown over medium-high heat, stirring often to break up the turkey into small lumps.
Stir in tomatoes, enchilada sauce, chili powder, and cumin. Bring to a boil; reduce heat and simmer for 10 minutes. Stir often. Add a little salt and pepper, if desired.
Add 1 cup chili to each bowl and let everyone top their own with optional toppings. Or, see serving tips, below.