1Heat vegetable oil in a skillet over medium-high heat. Sauté sliced onion and bell pepper strips with a pinch of salt and cumin for 5 minutes until softened and lightly charred.
2Warm the canned black beans in a small pot over low heat with a splash of water if needed. Season with a pinch of salt and cumin.
3In a small bowl, mix sour cream, minced garlic, juice of 1 lime, and chopped fresh cilantro. Add a pinch of salt and black pepper.
4Warm the flour tortillas in a skillet or directly over a flame for 15 seconds per side.
5Lay each tortilla flat. Spread cilantro-lime crema down the center. Layer with rice, shredded rotisserie chicken, sautéed peppers and onion, black beans, and cheddar cheese.
6Fold in the sides first, then roll tightly from bottom to top. Serve with lime wedges.