Mix the crema: In a small bowl, whisk mayo, sour cream, lime juice, hot sauce, and a pinch of salt. Set aside.
Season the chicken: Toss chicken with chili powder, smoked paprika, cumin, garlic powder, salt, and pepper.
Sear the chicken: Heat oil in a large skillet over medium-high.
Add chicken in a single layer and cook 5–6 minutes, stirring once or twice, until browned and cooked through.
Char the corn: Push chicken to one side (or remove to a plate). Add a drizzle of oil and corn to the empty side. Cook 3–4 minutes until corn is slightly charred.
Stir in garlic and red onion; cook 30–60 seconds until fragrant. Toss corn and chicken together.
Warm the rice: Heat rice according to package directions or reheat leftovers. Fluff with a fork and season with a squeeze of lime and a pinch of salt if needed.
Build the bowls: Add rice to bowls.
Top with chicken-corn mixture. Drizzle generously with the crema.
Finish with toppings: Sprinkle cotija, cilantro, and jalapeño. Add avocado or tomatoes if using.
Serve with lime wedges and a dash of Tajín.