Make the pico de gallo: Dice tomatoes and finely chop red onion, jalapeño, and cilantro. Mix with lime juice and a generous pinch of salt. Let it sit 10–15 minutes to mellow and release juices.
Season the chicken: Pat chicken dry.
In a bowl, combine chili powder, cumin, smoked paprika, garlic powder, onion powder, oregano, salt, pepper, and lime zest. Rub with oil and coat evenly with the spice mix.
Cook the chicken: Heat a large skillet over medium-high. Add a little oil if needed, then cook chicken 4–6 minutes per side (thighs may need longer) until browned and cooked through.
Rest 5 minutes, then slice or chop.
Warm the beans and rice: Heat black beans in a small pan with a splash of water and a pinch of salt. Fluff cooked rice and stir in a squeeze of lime. Keep both warm.
Warm the tortillas: Heat each wholewheat tortilla in a dry skillet 20–30 seconds per side until pliable, or wrap in a damp towel and microwave in 20–30 second bursts.
Keep covered so they stay soft.
Assemble the burritos: On each tortilla, add rice, beans, chicken, a sprinkle of cheese, a spoonful of pico, and any extras like avocado or sour cream. Don’t overfill.
Roll tightly: Fold the sides in, pull the bottom edge up and over the filling, then roll forward, keeping tension so it seals. If you like, toast the seam side down in a skillet for 1–2 minutes to crisp and seal.
Serve: Slice in half if you want, and add extra pico and hot sauce on the side.