Name: Cream Cheese Caramel Apple Dip with Toffee Bits
Prep time: 10 min
Total time: 40 min
Cuisine: American
Ingredients: 1 cup oats (rolled or quick oats); 1/2 cup creamy peanut butter; 1/4 cup honey; 1/2 cup chocolate chips (dark, milk, or mini); 1 tsp vanilla extract

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This Cream Cheese Caramel Apple Dip is a rich, creamy, and crunchy dessert that comes together in just 15 minutes. With a base of sweetened cream cheese, a thick gooey caramel center, and a sprinkle of toffee bits, peanuts, and walnuts, it delivers the nostalgic flavor of caramel apples without any of the mess. It’s the perfect last-minute dish for fall get-togethers or cozy evenings at home.

Cream Cheese Caramel Apple Dip with Toffee Bits

Why You’ll Love This Recipe

I love this recipe because it’s incredibly quick to throw together, yet it tastes like something much more elaborate. The creamy base balances the sweetness of the caramel perfectly, while the toppings add just the right amount of crunch. It’s also versatile—ideal as a dessert, snack, or even an appetizer for fall parties, game nights, or holiday spreads. And since it’s no-bake, I don’t even have to turn on the oven!

Ingredients

(Here’s a tip: Check out the full list of ingredients and measurements in the recipe card below.)

8 oz cream cheese block, softened
1/3 cup powdered sugar
1 tsp vanilla extract
2/3 cup caramel dip (store-bought, thick-style)
2 tbsp toffee bits
1 tbsp chopped peanuts
1 tbsp chopped walnuts
Apples (for dipping—Granny Smith is my favorite for the tartness)

Directions

I start by adding the softened cream cheese, powdered sugar, and vanilla extract to a mixing bowl. I use a hand mixer to blend it until it’s smooth and fluffy.
Next, I microwave the caramel dip in 15-second intervals until it becomes pourable.
I spread the cream cheese mixture evenly on the bottom of my serving dish.
Then I pour the warm caramel on top and spread it out into a smooth layer.
I finish it off by sprinkling toffee bits, chopped peanuts, and walnuts over the top.
Finally, I serve it with freshly sliced apples for dipping.

Servings and timing

This dip makes about 10 servings and takes 15 minutes to prepare from start to finish. No cooking required.

Variations

Toppings Swap: Sometimes I like to switch things up by using mini chocolate chips, crushed pretzels, or chopped candy bars.
Nut-Free Version: I just leave out the peanuts and walnuts and load up on more toffee or use crushed graham crackers instead.
Different Dippers: While apples are my go-to, graham crackers, vanilla wafers, or cinnamon pretzels are also amazing with this dip.
Spiced Cream Cheese: For a warmer fall flavor, I occasionally mix a dash of cinnamon or nutmeg into the cream cheese base.

Storage/Reheating

If I have leftovers, I just wrap the dish in plastic wrap and store it in the fridge. It stays good for 1 to 3 days, although it’s usually gone much sooner. I don’t recommend reheating it since the texture might change, but I do bring it back to room temperature before serving again for the best dipping consistency.

FAQs

What kind of caramel dip should I use?

I always go for a thick, pre-made caramel dip found in the produce section of most grocery stores. It spreads well and holds its shape on the dip.

Can I make this ahead of time?

Yes, I often prepare the cream cheese base in advance and store it in the fridge. When it’s time to serve, I just heat the caramel and assemble the rest—it takes minutes.

How do I keep the apples from browning?

I toss sliced apples with a bit of lemon juice to slow the browning process. It’s a simple trick that keeps them looking fresh for longer.

Can I skip the nuts?

Absolutely. If I want to make this nut-free or just prefer a different crunch, I load up on extra toffee bits or use crushed cookies instead.

What apples work best for this dip?

I like using Granny Smith apples because their tartness balances out the sweetness of the dip perfectly. Honeycrisp and Fuji also work really well.

Conclusion

This Cream Cheese Caramel Apple Dip is one of my favorite fall recipes because it delivers that classic caramel apple flavor with none of the hassle. It’s sweet, creamy, crunchy, and crowd-pleasing every single time. Whether I’m hosting a party or just indulging in a cozy treat, this dip always hits the spot.