Firstly, your characters also need to be immune to the exotic array of radiation that an active Accretion disc outputs.
Secondly, no they do not see a uniform disc. An accretion disc that is hot enough to be interesting also has a significant redshift on the part of the disc moving away from you (material is moving at a fair fraction of the speed of light)
Thirdly, there are a range of echo images created by a rotating black hole on the 'approaching' side of the disc due to gravitational lensing. These show distorted blue-shifted images of the opposite side of the disc, highly-stretched parallel to the rotation axis of the disc.
EDIT as per Thucydides suggestion: Here is a visualisation of a black hole from the film Interstellar using Kip Thorne's Kerr metric formalisation. The first is that actually used in the film. It is somewhat inaccurate for the sake of looking visually pleasing/simple. The next two images are increasingly realistic for moderate rotation speeds; they show redshift and a more realistic messy accretion disc.
Lots of debate to be had about the exact details of these images for storytelling guidance (your view of a black hole changes a LOT as you move relative to it), but they are a good starting point