Fluffy Chocolate Dip (Quick + Easy to Make with 5 Ingredients!)

Chocolate Dip requires just a few minutes and five ingredients -- including cream cheese, melted chocolate, and real whipped cream -- for a sweet treat that’s like dunking fresh fruit and other dippers into creamy, fluffy chocolate cheesecake!

Chocolate Dip with text overlay.


Well, folks...31 days down, only 334 to go! So what say we celebrate achieving a full month of healthy eating resolutions with some fluffy, creamy, delectable Chocolate Dip??? 😉

Ohhh, I jest. Keep drinking your smoothies and eating your kale and quinoa for a bit longer...you're doing awesome!

You can always save this amazing, decadent Chocolate Dip recipe for your Super Bowl party in a couple weeks. Or better yet, for dipping some long-stemmed strawberries on Valentine's Day!

Chocolate Dip on strawberry with bowl and berries in background.


Or, if you're like me and you've been alternating your healthy resolutions with the reality of daily life, you can whip up a bowl of Chocolate Dip STAT! After all, you can opt to scoop it up with fruit, so it can't be all bad, right? 🙃

And, as a bonus, it contains real ingredients...no Cool Whip or marshmallow fluff here (tasty though they may be).

In fact, all you need are FIVE simple ingredients!

Labeled ingredients to make Chocolate Dip.
  • Chocolate chips. Semi-sweet and good quality.
  • Heavy whipping cream. Chilled.
  • Cream cheese. Softened and cubed.
  • Powdered sugar.
  • Pure vanilla extract. Use the real stuff!
Aerial view of Chocolate Dip.

How to Make Chocolate Dip

(The below photos are intended to be helpful, but please refer to the recipe card at the bottom of this post for FULL DIRECTIONS.)

This scrumptious Chocolate Dip can be thrown together in a matter of minutes!

  1. Measure chocolate chips into a heat-safe bowl and melt in the microwave or over a double boiler, stirring regularly until completely smooth. Set aside and allow to cool.
Chocolate chips in bowl.
Melted chocolate chips to add to chocolate dip recipe.
  1. Measure heavy cream into a large bowl. Use an electric mixer to whip the cream to soft peaks; set aside.
Whipped cream in bowl.
  1. In another large bowl, use an electric mixer to beat the softened cream cheese and powdered sugar until smooth.
  2. Blend in the vanilla and the cooled melted chocolate. 
Adding powdered sugar to cream cheese for chocolate fruit dip.
Mixing cream cheese with melted chocolate for Chocolate Dip recipe.
  1. Beat at high speed until light and fluffy.
Chocolate Dip whipped in bowl after using electric mixer.
  1. Gently but thoroughly fold in your whipped cream until no streaks remain.
Folding whipped cream into Chocolate Dip.
Chocolate Dip in prep bowl, ready to transfer to serving bowl.
  1. Cover your Chocolate Dip and chill until ready to serve. Then set out with fresh fruit or your favorite dippers!
Aerial view of Chocolate Dip with strawberries and apples for dipping.

Ideas for Dippers

Back when I first shared this chocolate fruit dip (over nine years ago now!), it received a stamp of approval and two enthusiastic thumbs up from Five Heart Home's Director of Chocolate Taste Testing. At that time, my boys opted to eat their apple slices first (plain) and then eat their Chocolate Dip with a spoon...while my daughter used her fingers to wipe every last trace of dip from her bowl, resulting in a happy trail of chocolate up her arms, on her shirt, in her hair, and alllll over her face.

I'm happy to report that we are all much more civilized now. 😆

So what are some ideas for edible, non-spoon, non-finger dippers?

  • Fruit. The obvious choice! We like to dip whole strawberries and sliced apples, but other options could include cherries, banana slices, melon wedges, or pineapple chunks.
  • Jumbo marshmallows.
  • Pretzel twists.
  • Cookies. Get creative! Graham crackers, animal crackers, coconut macaroons, shortbread cookies, chocolate chip cookies, sugar cookies, Oreos...the cookie dipper possibilities are endless for this Chocolate Dip recipe!
  • Pound cake or angel food cake. Cut into cubes.

Just a note: some of these ideas -- such as marshmallows or cubes of cake -- might benefit from being set out with some toothpicks for spearing and dipping.

Strawberry dunked in Chocolate Dip.

With its cream cheese undertone and whipped texture, this recipe really does taste like fluffy chocolate cheesecake!

It's guaranteed to disappear in a flash whether you serve it at a party or a get-together. But let's be honest here...you don't even need a party for your Chocolate Dip to disappear! It's also great as an after-school snack or an any-night-of-the-week dessert option.

Super Bowl is in a week and a half and Valentine's Day is right after that, so I proclaim February as the perfect time to try this quick, easy, dessert dip recipe!

And if you happen to be reading this post-February...Chocolate Dip is actually fantastic any month of the year. 🤗 Enjoy!!!

Chocolate Dip on apple slice.

More Tasty Dessert Dips

Chocolate Dip in bowl with strawberry.

Fluffy Chocolate Dip (Quick + Easy to Make with 5 Ingredients!)

Chocolate Dip requires just a few minutes and five ingredients -- including cream cheese, melted chocolate, and real whipped cream -- for a sweet treat that’s like dunking fresh fruit and other dippers into creamy, fluffy chocolate cheesecake!
Course: Dessert
Cuisine: American
Prep Time: 15 minutes
Total Time: 15 minutes
Servings: 16 servings
Calories: 183kcal
Print Pin Rate


  • 1 cup semi-sweet chocolate chips
  • ¾ cup heavy whipping cream
  • 8 ounces cream cheese, at room temperature
  • 1 cup powdered sugar, more or less, to taste
  • 2 teaspoons pure vanilla extract


  • Measure chocolate chips into a microwave-safe bowl. Microwave for 1 minute; stir chocolate well. Microwave for another 30 seconds; stir until chocolate is smooth. (If necessary, microwave in additional 15-second increments, stirring between each one, until chocolate is completely melted and smooth.) Set aside and allow to cool.
  • Pour heavy cream into a large bowl. Use an electric mixer to whip the cream until soft peaks form. Set aside.
  • In another large bowl, use an electric mixer to beat cream cheese and powdered sugar until smooth. Blend in vanilla and melted chocolate. Beat at high speed until light and fluffy.
  • Gently but thoroughly fold in whipped cream until no streaks remain. Cover and chill until ready to serve with fresh fruit, such as strawberries, apple slices, pineapple chunks, melon spears, etc.



  • If you wish, you may use a double boiler method to melt your chocolate chips over a pot of water on the stove rather than using the microwave.


Calories: 183kcal | Carbohydrates: 15g | Protein: 2g | Fat: 13g | Saturated Fat: 8g | Polyunsaturated Fat: 1g | Monounsaturated Fat: 4g | Trans Fat: 0.01g | Cholesterol: 28mg | Sodium: 49mg | Potassium: 94mg | Fiber: 1g | Sugar: 12g | Vitamin A: 360IU | Vitamin C: 0.1mg | Calcium: 28mg | Iron: 1mg
Made this recipe? I'd love to see on IG!Mention @FiveHeartHome or tag #FiveHeartHome!

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Recipe Rating


  1. 5 stars
    Made this for a "Dip Day" potluck and served with pretzels to dip. Super simple to make, especially if you have a stand mixer, and a nice balance of sweetness.

    1. Hi Ky! I haven't tried it, but I think you could definitely add a splash of either of these...I would just whip it in a teaspoon at a time to make sure the consistency of the dip isn't altered (and taste test as you go). You could opt to replace all or part of the vanilla or just add it in addition. Good luck!

  2. 5 stars
    So amazing, but made more than I was expecting! Could I refrigerate or freeze leftovers? How long do you think it will keep?

    1. Glad you enjoyed it, Emily! You can definitely refrigerate the leftovers, for up to 5 days or so. I wouldn't recommend freezing the leftovers since the dairy won't hold up when thawing.

  3. I am wanting to make this a day before and wonder how it will hold up in the fridge for roughly 24 hours. . . has anyone made it in advance or had it last longer than a day in their fridge without eating it all? TIA 🙂

  4. 5 stars
    Oh. My. Word. I could totally eat this before the addition of the Whipped Cream. And then you fold that in and BAM! PERFECT texture! I'm seriously in Heaven right now. This is the best thing I've tasted in a long time. Okay, I digress. Back to your regularly scheduled program 😉

    1. Ha ha, Dani...I'm so glad you enjoyed this! And I share your sentiments, seeing as how I could happily eat this dip with a spoon. 😉 Hope you enjoy this recipe for many years to come!

  5. Love this! I can't wait to try it. I was looking for something to serve with fruit for a ladies tea that I'm in charge of and this is perfect.

    1. I'm so happy to hear that, Lydia! I hope that this is a big hit at your ladies tea...sounds fun! 🙂

  6. This sounds so good! I have had lots of fruit dips before but never chocolate. AND you've combined my two favorite sweets, cheesecake and chocolate 🙂

    1. I couldn't agree more...it's hard to improve upon chocolate, but cheesecake just might do that. 😉 Thanks so much for stopping by...hope you enjoy this fruit dip if you have a chance to try it!

  7. This looks yummy! So nice to have something different than the usual cream cheese dips for fruit. Thanks for sharing. I'm a new blogger and love learning from others like you. I've followed your social sites and hope we can connect. Becky

    1. Hi Becky! Thanks so much for the sweet comment. Congratulations (and good luck!) on your new blogging journey! This fruit dip actually does contain cream cheese, but I think the addition of chocolate sets it apart from other cream cheese-based dips. 😉 I appreciate you stopping by and hope your week is going well!

  8. This looks SO good right now... Thank you so much for sharing! (:

    Visiting from andieconn.com / referred by Nap Time Creations

    1. Thanks so much for hopping over, Andie! I hope you enjoy this fruit dip if you have a chance to try it! 🙂

    1. Ha, Stephanie...I couldn't agree more! Chocolate makes everything better...or is that bacon? 😉 Thanks for stopping by and hope you have a great week!