Low-Carb Chocolate-Covered Peanut Butter Crackers (No-Bake!)

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The perfect sweet–savory, low-carb treat made with almond-flour crackers, natural peanut butter, and silky sugar-free chocolate.

Recipe Card
A low-carb twist on the classic Ritz peanut butter cookies — same delicious flavor, fewer carbs, no baking required!

Servings & Timing

  • Servings: 18–22 sandwich cookies
  • Prep Time: 15 minutes
  • Cook Time: 0 minutes
  • Chill Time: 25–30 minutes
  • Total Time: 40–45 minutes

Dietary Badges

✔ Keto-Friendly
✔ Low-Carb
✔ No-Bake
✔ 5 Ingredients

Ingredients

For the Cookies

  • 1 box almond flour crackers (keto-friendly options like HighKey, Simple Mills, Olina’s)
  • 1 cup natural creamy peanut butter (no sugar added)
  • 2 cups sugar-free chocolate chips (Lily’s, ChocZero, Bake Believe)
  • 1 tbsp coconut oil (optional, for smoother coating)

Instructions (Quick & Simple)

1. Make the Peanut Butter Crackers

  1. Spread 1–2 teaspoons natural peanut butter on one almond-flour cracker.
  2. Top with another cracker to form a sandwich.
  3. Press lightly so they stick without squeezing out the filling.

2. Melt the Sugar-Free Chocolate

  1. Add chocolate chips to a microwave-safe bowl.
  2. Add coconut oil for a smoother finish (optional but recommended).
  3. Microwave in 30-second intervals, stirring between each, until fully melted.

3. Dip the Sandwich Cookies

  1. Using a fork, dip each peanut butter sandwich into melted chocolate.
  2. Tap the fork on the bowl to remove excess.
  3. Place coated cookies on a parchment-lined tray.

4. Chill & Serve

  • Chill for 25–30 minutes until firm.
  • Serve immediately or store for later.

Optional toppings: flakey sea salt, crushed peanuts, white chocolate drizzle.

Additional Notes

  • Almond flour crackers make this recipe taste close to Ritz but low-carb.
  • Sugar-free chocolate prevents major carb spikes.
  • Coconut oil helps chocolate turn glossy and smooth.

Introduction

These low-carb chocolate-covered peanut butter crackers are a keto-friendly upgrade of the classic treat we all love. They deliver the same perfect combination of salty, sweet, crunchy, and creamy — but with a fraction of the carbs. Perfect for holiday platters, snack boxes, gift bags, or anytime you want a no-bake dessert that feels indulgent but fits your macros.

Step-by-Step Guide (With Details)

Step 1: Create the Peanut Butter Sandwiches

Spread a layer of peanut butter on your almond-flour cracker.
Top with another cracker.
Tip: If your peanut butter is too soft, chill it for 5–10 minutes first.

Step 2: Melt the Chocolate

Use sugar-free chocolate chips for best results.
Microwave or use a double boiler.
Tip: If chocolate thickens, add ½ teaspoon extra coconut oil.

Step 3: Dip & Coat

Use a fork to dip the crackers.
Tap off extra chocolate.
Place on parchment.
Tip: Work fast—sugar-free chocolate sets quicker than regular chocolate.

Step 4: Chill to Set

Chill the tray until cookies are firm and chocolate has hardened.

Ingredient Details & Substitution Tip

Almond Flour Crackers

  • Choose a buttery or sea-salt flavor for the closest Ritz dupe.
    Substitute: Flax crackers, homemade keto crackers.

Natural Peanut Butter

  • Choose unsweetened (just peanuts + salt).
    Substitute: Almond butter, sunflower butter, or cashew butter (all low-carb).

Sugar-Free Chocolate Chips

  • Choose stevia or monk-fruit sweetened.
    Substitute: Keto chocolate bars melted and chopped.

Coconut Oil

  • Helps chocolate coat smoothly.
    Substitute: Butter or a teaspoon of heavy cream.

Flavor Variations & Serving Ideas

Flavor Variations

  • Sea Salt Crunch: Sprinkle flaky sea salt on top.
  • White Chocolate Swirl: Drizzle sugar-free white chocolate.
  • Peanut Crunch: Roll edges in crushed peanuts before chocolate sets.
  • Dark Chocolate Almond: Use dark sugar-free chocolate for richer flavor.

Dietary Variations

  • Dairy-Free: Use dairy-free keto chocolate.
  • Nut-Free: Use sunflower seed butter and seed crackers.

Serving Ideas

  • Add to keto dessert boards
  • Pack in snack boxes
  • Serve chilled after meals

Storage & Make-Ahead Tips

Room Temperature:

Stays fresh for 7 days in an airtight container.

Refrigerator:

Keeps for 2–3 weeks.

Freezer:

Freeze for up to 3 months.
Thaw 5–10 minutes before eating.

Quality Note:

Sugar-free chocolate may bloom (turn spotted) if stored warm — it’s normal and does not affect flavor.

Low-Carb Nutrition (Per Cookie — Approx.)

  • Calories: 95–110
  • Net Carbs: 3–5g
  • Protein: 2–3g
  • Fat: 8–10g

(Depends on cracker and chocolate brand.)

FAQs

Q: Will almond-flour crackers break when I spread peanut butter?

They’re slightly more delicate than Ritz — spread gently or chill crackers first.

Q: Can I use sugar-free white chocolate?

Yes! It melts beautifully and works great for drizzling.

Q: Why is my sugar-free chocolate thick?

It sets faster — add 1–2 tsp coconut oil to smooth it out.

Q: Can I make these completely keto?

Yes — use almond-flour crackers, natural PB, and keto chocolate.

Optional Story Behind the Recipe

This recipe came from testing dozens of low-carb snack ideas. The goal was simple: recreate that classic childhood flavor without the sugar crash. After trying several crackers and chocolate combos, this low-carb version finally nailed it — same addictive flavor, way better macros.

Call to Action

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Comment “LOW CARB” if you want more keto dessert recreations.

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