Chocolate-dipped Ritz Crackers are one of the easiest Christmas treats to make—and somehow they’re always the first thing to disappear. Sweet, salty, creamy, and crunchy… they hit all the buttons. Peanut butter and chocolate have been the holiday-goodies holy grail forever, and these little bites deliver that magic with almost no work.
But this time, I’m adding a fun twist—a Fluffernutter version.
Yes, ma’am: peanut butter and marshmallow cream tucked between buttery Ritz crackers, then dipped in chocolate. Think childhood lunchbox meets Christmas candy tray. Ridiculous in the best possible way.
At our house, if everyone had to pick just one Christmas cookie, these choclate-dipped ritz crackers would probably win by a landslide. They’re no-bake, budget-friendly, quick to crank out, and dangerously addictive. I’ve learned to double the batch from the start.
Whether you make the classic peanut butter version or the new Fluffernutter twist, you’ll reach for this treat again and again all season long.
I did not want to wait until Christmas to enjoy this amazing treat. So I came up with a plot twist to get some in my hands as soon as possible!
Peanut butter and chocolate are among the most beloved flavor combinations. A cookie or treat containing chocolate and peanut butter is at the top of everyone's favorites list. It’s a fantastic combination; who can deny it? Do you ever wonder why?
Our busy little taste buds love foods with contrasting flavors and textures. These yummy Ritz crackers with chocolate make our taste buds sing and dance with that classic sweet-salty, crisp-and-crunchy combo, plus the added creaminess of the thick chocolate coating.
And the flavor? They taste like a cross between a candy bar and a cookie — the perfect sweet/salty Christmas bite.
A fluffernutter is an old-school combo of peanut butter + marshmallow fluff, made famous in New England and beloved by kids everywhere. I tucked that combo between Ritz crackers and dipped it in chocolate.
If Reese’s made a winter marshmallow cup… this would be it.
The marshmallow adds a soft middle, a little sweetness, and just enough “ooh, what IS this?!” to get people talking. It’s fun, unexpected, and it absolutely belongs on your Christmas tray.
I wanted the Fluffernutter filling to be close to the consistency of peanut butter, not so soft that it would fall off the cracker. I looked through countless recipes and felt like I was searching for the Goldilocks version. Too soft, too sweet, until I came up with my own combination, and I think it’s “just right.”
I used a ratio of about two parts peanut butter to one part marshmallow cream, plus maple syrup and a small amount of maple flavoring. Add peanut butter or marshmallow cream if the consistency doesn’t suit you. You may want it softer if you use fluffernutter for a dip.
It’s not too maple-y, just a hint. I made enough to spread on the Ritz crackers with chocolate and still have a jar for my toast! Not a fan of maple flavoring? Try using some vanilla!
Then began the assembly line! I bought a “party pack” of Ritz crackers. There are eight sleeves inside, and each stack contains about 30 crackers. I used two sleeves of crackers for this batch. Make as many as you have time!
Cover a large, rimmed baking sheet with waxed or parchment paper. If you have trouble laying the paper flat, spritz the baking pan with a little non-stick spray and pat the paper in place. Lay out Ritz crackers in rows, flat side up.
Spread some fluffernutter on each one, but try to keep it from going over the edges, as I did on some. Put another cracker on top until you have made as many as you want.
For dipping, you can use chocolate chips, candy melts, or almond bark. I found a handy product at Walmart with a disposable, microwavable tray for melting the chocolate almond bark. It worked well, and I just tossed it in the trash when I was done.
You can also use a double boiler to melt the chocolate and keep it warm while dipping. I don't have a double boiler, so I used an alternative method: I placed an oven-proof glass bowl on top of a saucepan filled with water. Use an oven-proof bowl, and the water should simmer, not boil.
You don't need enough water in the pot to touch the bottom of the bowl. As the water simmers, it generates enough gentle heat to melt the chocolate. A dab of shortening helps the chips reach a perfectly melty consistency if you use chocolate chips.
I used a fork to plop each cookie into the melted chocolate, roll it, and set it on my parchment-covered cookie sheet to harden. I’m sure wax paper would work well on your pan, too. As you can clearly see, I am not a pro! There are some ugly ducklings.
Before the chocolate hardened, I added some autumn sprinkles for a festive touch. You might try sprinkling flaky salt on the cookies to enhance the sweet/salty flavor.
After I chilled the cookies in the freezer for a couple of hours, my chocolate-covered Ritz crackers popped right off the parchment, and I packaged them up for my granddaughter’s friends directly after taking some fun pictures.
They are so festive and pretty! Chocolate Ritz crackers are wonderful for every season, and you can customize them to match any holiday theme, like Christmas, Valentine's Day, or the Fourth of July!
They are so fun, and I love the fluffernutter filling, too! I hope you try making some fluffernutter! It’s great on waffles, biscuits, apple wedges, or straight from the jar!
Here is a twist on the classic, ever-popular no-bake treat made with fluffernutter instead of peanut butter inside Ritz crackers, then dipped in chocolate almond bark with optional holiday sprinkles.
* The Fluffernutter recipe is on a separate card.
A wonderful creamy spread made of peanut butter and marshmallow cream. Great on apple wedges, toast, biscuits, waffles, or on a spoon right from the jar!
Whisk all the ingredients together until well blended and store in a sealed container. If it is too thick, you can thin it with a small amount of hot water at a time.
Who can resist some chocolatey treats? Not us! I think you'll love the Triple Dark Chocolate Bundt Cake and Chocolate Chex Caramel Crunch recipes!
If you enjoyed a post, I'd love it if you would leave a ⭐⭐⭐⭐⭐ review or a comment. It really helps my little business connect with folks who like to cook like we do- simple but tasty!
Love, GB (Betty Streff)
🐝 Real food. Real kitchen. Real good.
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