I Tried the “Billion Dollar” Ritz Cracker Hack and This Is the Cracker Upgrade You NEED

published Jan 21, 2026
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"Billion Dollar Ritz" sandwich cookies made from Ritz crackers, Rolos candy, and melted chocolate chips
Credit: Celia Funderburk

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. 

How to Make Billion Dollar Ritz

Start by laying your Ritz crackers down on a sheet pan while you wait for the oven to heat to 250°F. Then, place a Rolo on top of each cracker. Pop the tray into the oven for about five minutes, just to warm up the caramel and chocolate bites. 

Credit: Celia Funderburk

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. Melt a small bowl of milk chocolate chips in the microwave with coconut oil. Then, use a fork to drizzle chocolate on top of your Ritz crackers. 

After letting the chocolate cool and solidify, your Billion Dollar Ritz are ready. 

Credit: Celia Funderburk

My Honest Review of Billion Dollar Ritz

These 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 this holiday season, I highly recommend these! Everyone will love them and, just as importantly, they’re incredibly easy so there’s no added stress. 

Credit: Celia Funderburk

Tips for Making Billion Dollar Ritz

  • 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.
  • 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 ritz into your melted chocolate mixture.
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