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Best Chocolate Fruit Dip Recipe with Cream Cheese

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This easy 4-ingredient chocolate fruit dip recipe is made without Cool Whip or marshmallow fluff, is lower in sugar and doesn’t compromise on flavor. 

My healthier chocolate dessert dip is a tasty and guilt-free way to satisfy your sweet tooth. It’s a great after-school snack, game-day treat, and special holiday nibble!

Best chocolate fruit dip recipe, 4 ingredients, with fruit surrounding.

Love fruit dips! Try all three of mine, or make someone’s day with options at your next party! Easy Marshmallow Fluff Fruit Dip (lower sugar, no Cool Whip) and this 3-ingredient cream cheese fruit dip (low sugar, no Cool Whip).

I enjoy giving precise details in my recipe posts to lead my readers through any questions. If you’re just here for the printable recipe, feel free to click “Jump to Recipe” right under the title of this post, and you’ll head straight there!

Why You Will Love This Recipe for Chocolate Fruit Dip

  • No-Bake Recipe – All you need to do is mix the ingredients and chill the easy chocolate dip for later– Easy!
  • Guilt-Free Chocolate Dip – The best part of this easy recipe is I’ve reduced the sugar! 
  • Crowd-pleaser – This healthier chocolate dip recipe is great for special occasions, potlucks, and Valentine’s Day parties.
  • Gluten-Free – We love serving delicious gluten-free treats for our friends and family!
Chocolate fruit dip i bowl on board filled with fruits and graham crackers, and marshmallows.

Healthy Twist

  • Zero-Sugar Dip – Use a sugar-free replacement to make this recipe sugar-free!
  • Replace the Cream Cheese – Swap the cream cheese for plain Greek yogurt or a combination.
  • Choose Healthy Dippers – Pick healthier dippers, like a fresh fruit tray.

Chocolate Fruit Dip Simple Ingredients

Ingredients, directions and nutritional information in the printable recipe card at the end of the post.

Labeled ingredients for chocolate fruit dip recipe.

Fresh Tips

  • Allow the cream cheese to come to room temperature, it will mix better with the other ingredients.
  • Adjust sweetness to your liking by reducing or adding more sugar.

What to Dip in Your Chocolate Fruit Dip

Serve the chocolate dip with your favorite fruits, gooey marshmallows, crispy graham crackers, and salty pretzels for dipping!

Chocolate dip serving on plate with assorted dippers and dip and assorted fruit and pretzels in background.

How to Make Healthy Chocolate Dip for Fruit

Start this recipe by adding the heavy cream to a medium bowl and use a hand mixer or a stand mixer to whip the cream until it forms stiff peaks, place in fridge until ready to use.

Whipped heavy cream ready to fold in.

Next, add the cream cheese, sugar, cocoa powder, and vanilla to another bowl. Then, whip the ingredients together until the mixture is smooth and creamy. I liked using a hand mixer for this easy recipe.

Now, use a spatula or mixer on low speed to gently fold the whipped cream mixture with the second creamy bowl and stir until evenly incorporated. 

Cream cheese and cocoa mixture combined with whipped cream in a bowl.

Lastly, garnish the healthy fruit dip with mini chocolate chips or shavings, chill, and serve!

Best Dippers for Healthy Chocolate Fruit Dip

Serve with fresh fruit, crackers, cookies, pound cake, and more! Try it with classic animal crackers, peanut butter cookies, and vanilla wafers. It would be delicious with my Fall Charcuterie Board

No Fire Needed S’mores dip – Serve with Reese’s Peanut Butter Cup Thins, graham crackers, marshmallows and small dark chocolate pieces. Perfect for fall festivals and Halloween parties.

Bake up my easy shortbread recipe and cut into tiny fingers for dipping; this dip is also delicious using pretzels for a sweet-salty treat.

These champagne truffles would be amazing with this easy chocoalte dip.

Chocolate fruit dip sprinkled with mini chocolate chips surrounded by fruit and graham crackers.

Fruit Dipping Options

Surround a bowl of this creamy chocolate dip with the following fruits:

  • Berries – Strawberries, blueberries, raspberries, blackberries, and more! Fresh berries are perfect for this sweet and fluffy fruit dip. For smaller berries, like blueberries, use skewers or toothpicks to make dipping easier!
  • Grapes – Skewer a few and place them on a tray to make it easier!
  • Tropical fruits – Pineapple spears, sliced kiwi, sliced bananas and mangos are excellent options for dipping into this creamy fruit dip.
  • Pears and Apples – Crispy sliced apples and pears are wonderful in the fall and winter months.
  • Melons – Cantaloupe and watermelon, use a melon baller or cut into cubes.
  • Peaches – Peaches or nectarines would be great with this easy fruit dip.
  • Oranges – Peel cuties or mandarin oranges, or sweet naval oranges for dipping. Something about chocolate and orange!

More Fresh Tips

  • The longer the dip chills, the thicker it will become. For the perfect dipping consistency, remove it from the fridge about 20 minutes before serving.
  • Consider sifting the cocoa powder before adding it to the recipe to make it easier to mix in. 
  • Garnish the dip with dark chocolate shavings for a rich and deep flavor.
Dip with chocolate chips as a garnish on a fruit-filled board for dipping.

Try my nutritious and easy-to-make Granola Butter recipe for spreading on toast or dipping fruit. Or check out this classic Hot Fudge Sauce and creamy Vanilla Sauce to drizzle on a scoop of ice cream or a bowl of fruit salad! If you want to dip your strawberries in chocolate, try making this delicious chocolate ganache which uses melted chocolate chips. 

Variations & Substitutions

  • Swap the Extract: Add a hint of something different with cherry, strawberry, hazelnut, or caramel extracts rather than the classic vanilla.
  • Add Chocolate Chips: Sprinkle in mini semi-sweet chocolate chips for texture and extra chocolatey goodness!
  • Choco-Peanut Butter: Put a peanut butter twist to the creamy chocolate fruit dip by including half a cup of peanut butter in the cream cheese mixture. Microwave it for a few seconds and stir until smooth.
  • Mint Chocolate Dip: Add a few drops of peppermint extract for a refreshing mint flavor.
  • Fruity Chocolate Fruit Dip: Replace the powdered sugar with raspberry or strawberry jam or preserves – Yum!
  • Nutella Chocolate Fruit Dip: Add a few tablespoons of stirred hazelnut spread, like Nutella. 
Hand dipping ripe strawberry into chocolate fruit dip.

How to Make Individual Chocolate Fruit Dip Cups

Like my charcuterie cups, create little cups of walking fruit dip, great for kids parties!

Place a dollop of chocolate fruit dip in the bottom of a shallow cup, skewer some berries, marshmallows and grapes, place into the cup, then add some graham crackers or cookies and your favorite fruits.

Frequently Asked Questions

What pairs best with chocolate fruit dip?

The perfect dippers for this creamy dip are fresh berries, apple slices, bananas, fluffy marshmallows, pineapple slices, cookies, Oreos, crunchy pretzels, and more! 

Can you use the chocolate fruit dip for other desserts?

Sure! This is a delicious dip for fruit and a great fluffy topping for cakes, cupcakes, brownies, pancakes, and crepes. It also works as a tasty layer in parfaits or a spread for bread.

Do you have to have a mixer to make chocolate fruit dip?

While an electric mixer makes the process much quicker and easier, you can always take a shot at mixing it by hand. Using a stiff metal whisk will help make a nice smooth chocolate dip.

Bowl full of creamy chocolate dip with fruit and crackers.


Fridge – Store leftover fruit dip in the refrigerator in an airtight container for up to three days. Remember to stir the recipe to fluff it up before serving after chilling it. Freezing is not recommended.

The dip may remain out at room temperature for 2 hours before requiring refrigeration, or place the bowl in a larger bowl of ice if serving in warm temperatures.

Serving of dip, 4 ingredients, low sugar dip.

Try these other fabulous fruit dips

Not feeling like chocolate? Try this Easy Cream Cheese Fruit Dip; still not doing it for you? Try this 3-ingredient Marshmallow Fluff Fruit Dip. Or go hog wild and make all three!

Marshmallow fruit dip, 3 ingredients.

Easy 3-Ingredient Marshmallow Fluff Fruit Dip Recipe

With three simple ingredients in 10 minutes or less, you have a silky and sweet fruit dip to serve a crowd for family gatherings or work events.

3 ingredient cream cheese fruit dip.

Easy 3-Ingredient Cream Cheese Fruit Dip Recipe

You’ll never buy store-bought fruit dip after making this simple 3-Ingredient Cream Cheese Fruit Dip served with all your favorite fruit platters!

Best Drinks for Fruit and Chocolate Dip

Pair this creamy chocolate dip with a beverage as you wind down for the night or share a romantic dinner. This Strawberry Gin Cocktail is the perfect cocktail for a chocolatey dip, especially when you have fresh strawberries. Try my Cranberry Lemon Drop Martini or this Cherry Bourbon Smash, or these alcohol-free drinks below.

Gorgeous shot of strawberry refresher drink on wooden cutting board with pink straw and a strawberry garnish with limes and strawberries in the background.

Homemade Strawberry Refresher

The Strawberry Refresher is a light non-alcoholic drink made with summer fresh strawberry syrup, lime juice and your favorite mixer. Perfect for a warm spring or summer day, refreshing and delicious.

Starbucks Copycat White Hot Chocolate square image in clear glass teacup mug with whipped cream, white chocolate chips, chocolate curls and mimi marshmallows.

Starbucks White Hot Chocolate Recipe

A quick and easy recipe on how to make a Starbucks White Hot Chocolate recipe at home. Save time and money, by making this fast copycat white hot chocolate recipe in the comfort of your own home. 

Homemade Hot Chocolate with chocolate chips in pretty double walled glass mugs filled with whipped cream and drizzled with chocolate.

Easy Homemade Hot Chocolate Recipe (with Chocolate Chips)

A simple and delicious homemade hot chocolate with chocolate chips, this all-natural Hot Chocolate for two (or four or more) uses common pantry ingredients.

Classic Recipes with a Healthy Twist

Chocolate fruit dip recipe with strawberry dipped in chocolate cream cheese dip, to pin.

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Best chocolate fruit dip recipe with fruit.

Best Chocolate Fruit Dip Recipe

Author: Kathleen Pope
5 from 7 votes
This easy 4-ingredient chocolate fruit dip recipe is made without Cool Whip or marshmallow fluff, is lower in sugar and doesn't compromise on flavor. 
Prep Time 10 minutes
Total Time 10 minutes
Course Holiday Sweets, Sweets
Cuisine American
Servings 10 servings (about 3 tablespoons)
Calories 199 kcal


  • 1 cup heavy cream, I used organic, heavy whipping cream, you may replace with about 2 cups dessert topping (ie. Cool Whip)
  • 8 ounces cream cheese , (1 package) softened to room temperature, I used full-fat, use neufchatel is preferred
  • cup powdered sugar, or sugar-free powdered sugar replacement
  • cup cocoa powder, unsweetened, sifted for best results
  • 1 teaspoon vanilla extract*, *swap with other extracts for different flavors.
  • 1-2 tablespoons mini chocolate chips, optional, to garnish the dip

Dipping Suggestions

  • Strawberries, Blackberries, Raspberries, Blueberries, Bananas, orange segments, apples, peaches, melons, etc. , Non fruit dippers: marshmallows, graham crackers, shortbread, pound cake, cookies, and pretzels for dipping


  • Pour the heavy cream (1 cup) into a medium size bowl, using a hand mixer, whip until stiff peaks form. Place in fridge until ready to use.
  • In another bowl, add the cream cheese (8 ounces, soft), sugar (⅔ cup), cocoa powder (⅓ cup) and vanilla extract (1 tsp). Using the mixer, whip until everything is smooth, light and creamy.
  • Fold the whipped cream to the chocolate mixture, and stir until fully incorporated. You can use the mixer on a low speed, or just fold in by hand.
  • Garnish with mini chocolate chips (a few tablespoons) or chocolate shavings, if desired. Chill until ready to serve.

✱ Kathleen’s Tips

  • Cream cheese must be at room temperature to blend easily with the other ingredients.
  • The sweetness of the chocolate fruit dip can be adjusted to personal preference. If you prefer a sweeter dip, increase the amount of sugar. Likewise, you can reduce the amount of sugar.
  • The dip will thicken slightly upon chilling; remove from the fridge for 20 minutes before serving if a softer dip is desired.
  • Sifting the cocoa powder will make it easier to incorporate.
Variations & Substitutions
Change the Flavor | Substitute the vanilla extract with another flavor—a few suggestions: cherry extract, strawberry extract, hazelnut extract, or caramel extract.
Chocolate Chocolate Chip Fruit Dip | Stir in ¼ cup mini chocolate chips to the fruit dip or chopped semi-sweet or white chocolate chips.
Chocolate Peanut Butter Fruit Dip | Make the recipe as directed, but mix ½ cup of creamy peanut butter into the cream cheese mixture ½ cup of creamy peanut butter until smooth. Then fold whipped cream into the chocolate peanut butter mixture. Delicious with apples and bananas!
Mint Chocolate Fruit Dip | Follow the original recipe but stir in 1/2 teaspoon of peppermint and vanilla extract. Delicious served with mint Oreos, Thin Mints, or Chocolate Wafer cookies.
Raspberry Chocolate Fruit Dip | Prepare the original recipe, but instead of powdered sugar, use 1/2 cup of raspberry jam or preserves. Mix the raspberry jam or preserves with the cream cheese until well combined before adding the other ingredients. Garnish and serve with fresh raspberries.
Strawberry Chocolate Fruit Dip | Do the same as above, but instead of raspberry jam, use strawberry jam (try my low-sugar strawberry jam recipe). Garnish with fresh strawberries.
Store covered in an airtight container up to 7 days in the refrigerator, I do not recommend freezing. Leave the dip at room temperature for 2 hours max without ice underneath. 


Serving: 1 serving Calories: 199 kcal Carbohydrates: 12 g Protein: 3 g Fat: 17 g Saturated Fat: 10 g Polyunsaturated Fat: 1 g Monounsaturated Fat: 4 g Cholesterol: 50 mg Sodium: 78 mg Potassium: 97 mg Fiber: 1 g Sugar: 9 g Vitamin A: 654 IU Vitamin C: 0.1 mg Calcium: 42 mg Iron: 0.5 mg

Nutrition Disclaimer

The Fresh Cooky is not a dietician or nutritionist, and any nutritional information shared is only an estimate. We recommend running the ingredients through an online nutritional calculator if you need to verify any information.

Tried this recipe?Let us know how it was!
Kathleen Pope, The Fresh Cooky.

About Kathleen Pope

Recipe Innovator | Food Photographer | Food Writer

Hi, I’m Kathleen Pope. Here at The Fresh Cooky you will find easy, mostly from-scratch, trusted recipes for all occasions. From speedy dinners to tasty desserts, with easy step-by-step instructions. I am here to help teach you how to make mouthwatering recipes without spending hours in the kitchen. Read more about Kathleen here.

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  1. 5 stars
    Wow, I confess the idea of a dessert dip was new to me. I’ve been missing out. This is such a delicious idea and makes dessert so easy!