Heat oven to 425°F. Brush tortillas lightly with oil and bake until crisp, 6–8 minutes, flipping once.
Warm the refried beans in a small saucepan over low heat. Stir until smooth and spreadable.
Toss chicken with lime juice, taco seasoning, cumin, garlic, onion powder, salt, and pepper.
Heat a nonstick skillet on medium. Add chicken and 1–2 tablespoons water; stir until hot, 3–4 minutes.
Spread warm beans on each crisp tortilla. Add seasoned chicken and a sprinkle of cheese.
Top with lettuce, pico, avocado, sour cream, and cilantro. Squeeze extra lime if you like. Serve immediately.
Notes
Swap the refried beans with black beans for a lighter twist, or add sliced jalapeños for heat. To keep shells crisp, assemble just before serving; store components separately and refrigerate up to 3 days.This recipe is an original creation inspired by classic Easy Chicken Tostadas flavors. All ingredient ratios and instructions are independently developed.