The image of a Kerr–Newman (KN) black hole (BH) surrounded by a thin accretion disk is derived. By employing elliptic integrals and ray-tracing methods, we analyze photon trajectories around the KN BH. At low observation inclination angles, the secondary image of particles is embedded within the primary image. However, as the inclination increases, the primary and secondary images separate, forming a hat-like structure. The spin and charge of the BH, along with the observer’s inclination angle, affect the image’s asymmetry and the distortion of the inner shadow. To investigate the redshift distribution on the accretion disk, we extended the inner boundary of the accretion disk to the event horizon. The results show that the redshift distribution is significantly influenced by the observation inclination angle. Furthermore, we conducted a detailed analysis of the KN BH image using fisheye camera ray-tracing techniques and found that the optical appearance and intensity distribution of the BH vary at different observation frequencies (specifically at 230 GHz and 86 GHz). We also examined differences in intensity distribution for prograde and retrograde accretion disk scenarios. Comparing observational at the two frequencies, we found that both the total intensity and peak intensity at 86 GHz are higher than those at 230 GHz.