Spray a skillet with cooking spray; heat over medium heat. Fry tortilla quarters until crisp and light brown, about 1 minute per side. Remove chips from skillet.
Place sausage into the skillet over medium-high heat. Cook and stir for 3 minutes; add onion. Cook and stir until turkey is browned and crumbly, about 5 minutes more. Add American cheese; stir until completely melted, about 1 minute. Spoon spread into a serving dish; surround with chips.