Billion-Dollar Ritz Recipe

Billion dollar Ritz with chocolate drizzle

This Ritz cracker hack is so good and simple that the billion-dollar Ritz recipe will become a regular on your sweet treat rotation.

They are arguably easier than the Haystacks No-Bake Cookies, and both are simple enough to make with young grandkids. But try them both, for even more deliciousness!


Anytime someone throws an outrageous number in front of food, I’m intrigued. I mean, have you tried a 100 Grand Bar? Perfection. Or our million-dollar spaghetti? Even better.

So when I saw a video of chocolaty “billion-dollar Ritz” (yes, that’s right, with a “B”), I was sold. What made me even more excited than the name was the fact that it calls for only three ingredients and takes just seven minutes to make.

Billion-Dollar Ritz

Stacked Ritz crackers ready for a billion dollar Ritz recipeIngredients:

  • Ritz crackers
  • Rolo candies
  • Milk chocolate chips
  • Coconut oil

How to make billion-dollar Ritz:

  1. Start by laying your Ritz crackers down on a sheet pan while you wait for the oven to heat to 250 F.
  2. Then, place a Rolo on top of each cracker.
  3. Pop the tray into the oven for about five minutes, just to warm up the caramel and chocolate bites.
  4. Remove the tray from the oven and top the Rolos with another Ritz cracker. Because the chocolate is just a little melted, you’ll be able to smush the cracker down, and the Rolo will spread out to coat the entire cracker.
  5. Melt a small bowl of milk chocolate chips in the microwave with coconut oil.
  6. Use a fork to drizzle chocolate on top of your Ritz crackers.
  7. After letting the chocolate cool and solidify, you’re in for a treat.

My honest review

These billion-dollar Ritz treats are so delicious. Buttery, chocolaty and caramelly — yum. It tastes similar to the homemade Saltine toffee bark I used to make when I was a kid, but even better.

My favorite part is the texture from the Rolos. I was expecting it to be similar to a creamy peanut butter Ritz cracker (which might be the case if you eat them soon after taking them out of the oven) but the Rolo was firm and chewy. The Ritz cracker, on the other hand, stays super crisp and adds a much-needed saltiness.

If you’re looking for a new sweet treat to give out as a gift or share with friends at a party, I highly recommend these! Everyone will love them and, just as importantly, they’re incredibly easy so there’s no added stress.

Tips for making billion-dollar Ritz

  1. Don’t skip the coconut oil. I initially tried to sub in butter to help thin the chocolate out. But the mixture didn’t stay loose long enough to drizzle over the crackers.
  2. Dip instead of drizzle. If you want even more chocolate (who wouldn’t?), or just don’t have the patience to drizzle, try just dipping each cracker into your melted chocolate mixture

Celia Funderburk is an editorial assistant for TheKitchn.com, a nationally known blog for people who love food and home cooking. Submit any comments or questions to editorial@thekitchn.com.

©2026 Apartment Therapy. Distributed by Tribune Content Agency, LLC.

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Celia Funderburk is an editorial assistant for TheKitchn.com, a nationally known blog for people who love food and home cooking. Submit any comments or questions to editorial@thekitchn.com.

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