Fluffernutter Ritz Cracker Cookies

A tray of ritz fluffernutter cookies.

Want a quick and easy, no-bake snack with only five ingredients? Ritz cracker cookies are fluffernutter nirvana and greater than the sum of its parts. Peanut butter and marshmallow fluff sandwiched between two crackers with a bit of sea salt and a creamy white chocolate coating. Don’t delay – Ritz cracker cookies are where it’s at.

Two sleeves of Ritz crackers.

Fluffernutter cookies on a cracker

So, Ritz cracker cookies… I honestly didn’t know they were a “official thing“. I thought I was clever when I whipped up a few of these for a quick and easy no-bake snack. Just grab a ritz cracker, top it with peanut butter and marshmallow fluff for an incredible 3-ingredient nosh that hits all the right notes. Salty, sweet, crunchy, gooey… yaaassss.

Ritz cookies are a “thing”

Then I found out — other people make ’em too. Whaat??? Bubble burst. In fact — there’s actually a National Fluffernutter Day (October 8th), where I imagine everyone just stays home assembling these little bites and eating them hand to mouth. Ok, so I haven’t reinvented the wheel, but I have made a few tweaks that you might not have thought of.

Creamy peanut butter and a jar of marshmallow fluff.

A word on marshmallow fluff

For years I’ve always just bought the standard fluff from the grocery store, but it was never anything special and, consequently, only used it as an ingredient in other things, like fudge or frosting because I didn’t like it on its own. The texture is artificial and the flavor is meh. My tune changed last year at the Fancy Foods Show. Toonie Moonie made me a convert.

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At the show, I sampled their incredibly smooth, lusciously flavorful, organic marshmallow fluff. It’s so good, I always have a canister on hand for topping a dish of ice cream or smearing on a chocolate wafer. It’s so much creamier than the regular fluff that you really can’t compare the two… I won’t say you HAVE to use this marshmallow fluff on these Ritz cracker cookies, but to me, it makes all the difference. This isn’t a sponsored post, I just LOVE the product. (Affiliate link to purchase at the end of the post).

Ingredients for Ritz cracker cookies

  • Ritz crackers
  • Creamy (or chunky) peanut butter
  • Marshmallow fluff (you can use any type, but I love Toonie Moonie organics)
  • Sea salt
  • White chocolate bar or candy melts
  • Sprinkles (optional)
Spreading peanut butter on a Ritz cracker and sprinkling with sea salt.

The secret ingredient

These easy peanut butter and fluff cookies have one ingredient on the list that might be considered unusual. Sea salt. After all, the crackers are a little salty and the peanut butter has some too. However, the combination of marshmallow fluff AND white chocolate amp up the sweet factor. To me, fluffernutter cookies need just a little extra salt to balance the flavors. Not too salty. Not too sweet. Just right.

Topping the peanut butter with marshmallow fluff. Sandwich the filling with another Ritz cracker.

Assembling the cookies:

  1. Spread peanut butter on a Ritz cracker.
  2. Sprinkle with a pinch of sea salt.
  3. Add a small spoonful of marshmallow fluff.
  4. Top with a second Ritz cracker.
  5. Place crackers on a rack to coat in white chocolate.
Melting white chocolate wafers for the coating.

You can use white chocolate baking bars, candy melts or chips, to coat the Ritz cookies, but try to use a quality white chocolate like Ghirardelli, Scharfenberger or Lindt. It makes a difference in melting and for the flavor of the fluffernutter cookies.

White chocolate coating

If you’ve ever struggled with melting chocolate in a double boiler (due to the chocolate coming into contact with steam from the double boiler and seizing up), then you’ll appreciate this easy method.

  1. Place the candy melts or chips into a microwave safe bowl. If using a white chocolate bar, break it up into smaller pieces before putting it into the bowl.
  2. Microwave for 15 seconds on high.
  3. Stir and return the bowl to the microwave for another 15 seconds.
  4. Continue to microwave in short bursts, stirring after each nuke until the chocolate is completely melted and is smooth and creamy.
Letting the white chocolate on the cracker cookies dry on a wire rack.

Coating the cookies with white chocolate

  1. Spoon a little melted white chocolate over the Ritz cookies and gently spread it over the top of the cracker so that it just oozes over the edges, creating a pretty casing.
  2. Note: you can also dunk the whole Ritz cracker cookie into the melted chocolate, then transfer it to a pan lined with wax paper or parchment paper — or to a rack to dry.
  3. Note: If you’re going to decorate with sprinkles or other embellishments, do it while the chocolate is still wet, so that the sprinkles will cling to the coating.
Decorating the fluffernutter cookies with sprinkles.

Just look at how pretty these cracker cookies are with that ridge of white chocolate and the festive jimmies. I like the peek-a-boo nature of these fluffernutter cookies. From the top they look completely enrobed, but from the sides, you get a hint of what’s inside.

A platter of Ritz cracker cookies.

Ideas for decorating fluffernutter cookies

  • Colored sprinkles
  • Jimmies
  • Sparkling sugar
  • Mini m&m’s
  • Chopped toasted nuts
  • Poppy seeds or sesame seeds
  • Dark chocolate drizzle
  • Colored chocolate melts
  • Use small stencils or cookie cutters to decorate with colored sugar
Taking a bite out of the peanut butter marshmallow cookie.

To decorate for other holidays:

For these peanut butter and fluff beauties, I used pastel colored jimmies, which remind me of Spring and Easter. However, you can easily give your Ritz cracker cookies that holiday vibe just by changing up the type of sprinkles you’re using. Red and green sparkling sugar would be perfect for Christmas. Red and blue are obvious choices for Memorial Day, 4th of July and Labor Day.

  • Below, I’ve done Mardi Gras themed fluffernutter cookies with green, gold and purple colored sugar.
  • For the Irish “shamrock” I used a small cookie cutter and filled it with sparkling sugar. For the ” stem” I added green food coloring to a bit of the melted white chocolate and piped it onto the shamrock.
  • For the 4th of July theme, I simply used red sanding sugar with another cookie cutter stencil.
  • The Fall themed Ritz cracker cookie is a blend of red, yellow and orange sparkling sugars to echo traditional harvest colors.
I am decorating the fluffernutter cookies for other occasions.

If you don’t want to decorate…

You don’t have to. In fact, one of my favorite way to eat these cookies is open-faced and torched.


You heard me.

An open-faced peanut butter and fluff sandwich cookie on a Ritz cracker. Dollop with peanut butter and marshmallow fluff and torch it! Like s’mores with fluffernutter instead of chocolate.

I am making an open-faced cookie by torching the marshmallow fluff.

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A platter of pastel-colored Ritz cracker cookies.
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5 from 5 votes

Salty n’ Sweet Ritz Fluffernutter Cookies

These easy, no bake cookies are a delightful sweet and salty snack. Coated in white chocolate and sprinkled with seasonal sprinkles, they’re delicious at any time of year.
Author: Lisa Lotts
Course Dessert
Cuisine American
Keyword christmas, cookies, crackers, easter, peanut butter, white chocolate
Dietary Restrictions Dairy-Free, Vegetarian
Prep Time 20 minutes
Total Time 50 minutes
Servings 18


  • ¾ cup creamy peanut butter
  • ¼ cup + 2 tablespoons marshmallow fluff
  • 1 teaspoon sea salt
  • 36 Ritz crackers
  • 1 cup white chocolate chips
  • choice of sprinkles/decoration


  • Spread about 2 teaspoons of peanut butter onto one side of a Ritz cracker, trying to leave a divot in the center.
  • Sprinkle a small pinch of sea salt over the peanut butter. Fill the divot with 1 teaspoon of marshmallow fluff and top with another Ritz cracker.
  • Continue in this method until you have 18 sandwich cookies. Transfer the cookies to a wire cooling rack.
  • Place the white chocolate chips into a microwaveable bowl and heat on high in 10 to 15 second intervals, stirring after each. Continue to microwave the chips until they are fully melted and the consistency is smooth and creamy.
  • Spoon a scant tablespoon of white chocolate over each cracker and spread to the edges with the back of a spoon so that the chocolate runs over the sides.
  • Sprinkle each cookie with your favorite sprinkles and let sit until the chocolate has hardened.


Store in an airtight container with sheets of parchment paper separating each layer. Cookies should last 2-3 days.


Calories: 162kcal | Carbohydrates: 16g | Protein: 4g | Fat: 10g | Saturated Fat: 3g | Cholesterol: 2mg | Sodium: 240mg | Potassium: 106mg | Fiber: 1g | Sugar: 10g | Vitamin A: 3IU | Vitamin C: 1mg | Calcium: 34mg | Iron: 1mg

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  1. Kari Hermann says:

    5 stars
    My mom made these with chocolate over Christmas – but marshmallow fluff and white chocolate is next level. YUM. Thanks for the great recipe!

  2. 5 stars
    How fun are these cookies! I might try making them with my daughter.

  3. Lauren Vavala | Delicious Little Bites says:

    5 stars
    Ritz have got to be the most versatile cracker in the world! These look soooo good! We just stocked up on crackers – my kids are going to love these!

  4. 5 stars
    Yum! Love this recipe! It was so easy and delicious. Will definitely be making this one again!

  5. 5 stars
    These Fluggernutter cookies are so mouthwateringly delicious, I recommend making a double batch 😀