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    Home » Appetizers & Drinks

    Updated: Nov 20, 2024 · Published: Dec 1, 2022 · by Angela · This post may contain affiliate links · Leave a Comment

    Best Hot Chocolate with Chocolate Chips

    Jump to Recipe

    There is nothing cozier than a warm cup of hot chocolate when the weather outside is cold. For the best cup of hot chocolate made with chocolate chips, this recipe will hit the spot. A steaming mug of this chocolatey rich beverage will keep you warm & cozy all winter.

    Best Hot Chocolate with Chocolate Chips two glasses filled with homemade stovetop hot chocolate topped with mini marshmallows.

    There is something about a good homemade hot chocolate recipe compared to a packet you buy in the store and add water or milk to. If you ask me, there is just no competition. But don't throw away those packets of cocoa mix just yet, use them to bake a batch of my Hot Chocolate Cookies.

    I make this for all the winter holidays; such as Thanksgiving, Christmas, and for New Year's Eve. I was inspired to learn to make hot chocolate on the stovetop when I had extra chips after making a batch of Chocolate Chips with Marshmallow Cookies. I wanted something to pair with my Puff Pastry Cinnamon Twists and to dunk them into. The combination is fantastic.

    Jump to:
    • Ingredients for Hot Chocolate Using Chocolate Chips
    • How to Make Hot Chocolate with Chocolate Chips
    • Toppings for Homemade Hot Chocolate
    • How to Keep Hot Chocolate Warm
    • Substitutions & Variations
    • Storing & Reheating Hot Chocolate
    • Dunkable Treats for Hot Chocolate
    • FAQ
    • Best Hot Chocolate with Chocolate Chips

    Ingredients for Hot Chocolate Using Chocolate Chips

    Here is all you need to make hot chocolate with chocolate chips. This recipe calls for only 4 ingredients and is made without cocoa powder. You probably have everything already in your pantry and refrigerator.

    For deep flavor, this hot chocolate recipe uses semi-sweet chocolate. I use Ghiradelli semi-sweet chips. It is one of the best melting chocolates for a smooth & delicious flavor.

    This is a thick, rich, & decadent hot chocolate. So it calls for whole milk and cream. Do not use low-fat or fat-free milk or it will be thin, runny, & taste watered-down.

    Best Hot Chocolate with Chocolate Chips Ingredients on a table.
    • Semi-Sweet Chocolate Chips - results in a rich flavor that is not too sweet or dark.
    • Heavy Cream - use the real deal for a thick velvety texture.
    • Whole Milk - combined with heavy cream for the perfect balance so it is not too heavy or has too much fat.
    • Vanilla Extract - adds flavor to compliment the chocolate.

    See the recipe card for quantities.

    How to Make Hot Chocolate with Chocolate Chips

    It only takes 10 minutes to make this yummy homemade hot chocolate recipe. In a few steps, you warm up the liquid dairy ingredients on the stove. Then slowly melt the chocolate chips with a bit of vanilla. And that is all it takes - soooo easy!

    Here is how you make this easy 4-ingredient hot chocolate recipe. Begin by adding the whole milk and the heavy whipping cream to a medium-sized saucepan.

    Cream warming in a pot on the stove.

    Over medium-low heat warm the liquids for 3-4 minutes. You want it to be hot but not boiling.

    Chocolate being stirred into warm cream.

    Add the chocolate chips & vanilla. Stir and continue to heat over medium-low.

    Once the chocolate has melted it is time to bring all the ingredients together. Whisk to combine over medium-low heat.

    When all the chocolate is melted, continue to heat over medium-low heat. When it is hot and the first few bubbles rise up in the pot, it is ready. Do not let it boil or the chocolate will seize up.

    Whisking the ingredients as they cook.

    Pour or ladle into mugs. Top with mini marshmallows. ENJOY!

    Hint: For the easiest way to serve this hot chocolate, use a ladle. Ladle it into your favorite cozy mug. Make sure you only fill it ¾ of the way up so you have room for marshmallows or whipped cream on top!

    Toppings for Homemade Hot Chocolate

    Who can pass up sprinkling some mini marshmallows on top of your hot chocolate? They float on top and melt into a sweet sticky taste like clouds from sugar heaven. But there are some other fun ideas on how to top hot chocolate made with semi-sweet chocolate chips.

    All of these are the best ideas to make hot chocolate even better.

    • Colored Marshmallows - pastel ones are so fun for Easter.
    • Whipped Cream - A squirt seems to make me feel like a kid again.
    • Sprinkles - Add a dash of your favorite sprinkles on top of fresh whipped cream. Chocolate jimmies or rainbow sprinkles are so fun.
    • Colored Sugar - Dust on some red & green sugar sprinkles to the whipped cream for a Christmas-colored hot chocolate.
    • Flavored Syrups & Sauces - Drizzle in caramel or butterscotch sauce into the cup or on top of the whipped cream or marshmallows.
    • Crushed Candy Canes - Sprinkle on peppermint candy pieces.
    • Chocolate or other Chips - yep, add some mini chocolate, peanut butter, or white chocolate chips on top of some whipped cream.
    Best Hot Chocolate with Chocolate Chips Overhead of two glasses of hot chocolate topped with marshmallows.

    How to Keep Hot Chocolate Warm

    This recipe is great for parties and holiday gatherings. You can make a large batch and keep it warm for hours. It will last throughout your party or event.

    To keep homemade hot chocolate warm, leave it on the stove on your lowest setting. Stir or whisk it every 5-10 minutes.

    You can also transfer the hot chocolate to your Crock Pot. Turn your slow cooker to warm. It will keep this beverage warm and ready to serve for hours.

    Substitutions & Variations

    • Semi-Sweet Chocolate Chips - instead of semi-sweet, use milk or dark chocolate chips if one of those is your favorite.
    • Heavy Cream- use all Whole Milk instead of cream plus milk. It will cut down on the fat content but will up the carbs. Do not use low-fat, fat-free, etc or the hot chocolate will be thin.
    • Spiced - add a sprinkle of cinnamon, nutmeg, or even cayenne pepper to the mixture.
    • Peppermint Mocha- use peppermint extract instead of vanilla extract for a peppermint hot chocolate perfect for Christmas.
    • Adults-Only- add a shot of your favorite alcohol to your individual mug; Bailey's, Kahlua, Peppermint Schnapps, Butterscotch Schnapps, Rumchata, brandy, bourbon, whiskey, & rum are some of the best.
    Two glass cups filled with hot chocolate and marshmallows.

    Storing & Reheating Hot Chocolate

    Leftover hot chocolate stores well in the refrigerator. Place any leftovers in a jar or container with a tight-fitting lid. Store in the refrigerator for up to 5 days.

    To reheat hot chocolate, pour it into a small saucepan. Over medium-low heat bring it slowly to the desired temperature. Do not bring it to a boil as that alters the chocolate and the consistency.

    Dunkable Treats for Hot Chocolate

    For something fun, sweet, & tasty, these dunkable desserts are great to serve with this homemade hot chocolate. It is great to serve for breakfast with a slice of Cinnamon Roll Pie.

    Grab your favorite rolled wafer, churro, or store-bought cookie for dunking.

    • No Spread Sugar Cookies
    • Snickerdoodle Cookies
    • Small Batch of Peanut Butter Cookies
    Best Hot Chocolate with Chocolate Chips in a glass topped wtih whipped cream and served wtih a cinnamon twist puff pastry.

    FAQ

    Can I use chocolate chunks instead of chips?

    If you love making cookies with chocolate chunks, that may be all you have laying around. Semi-sweet chocolate chunks can be used as a substitute for chips in this recipe. It may take a bit longer to melt but it will be just fine.

    Can I use oat milk or coconut milk to make this non-dairy?

    I have not tried making this with a milk substitute. If you wish to try a dairy-free u0026 vegan hot chocolate recipe, try making Oat Milk Hot Chocolate.

    Two glass mugs filled with hot chocolate made from chocolate chips.

    Best Hot Chocolate with Chocolate Chips

    Angela
    The best hot chocolate made by melting chocolate chips is this easy recipe. The decadent and rich hot beverage is a winter favorite. It is quick & simple to make on the stove in minutes. Grab some marshmallows or whipped cream for the perfect cup of homemade hot chocolate. Great for holidays & camping.
    Print Recipe Pin Recipe Share on Facebook
    Prep Time 2 minutes mins
    Cook Time 8 minutes mins
    Total Time 10 minutes mins
    Course Dessert, Drinks
    Cuisine American
    Servings 2
    Calories 576 kcal

    Ingredients
      

    • 1 ½ cups whole milk
    • ½ cup heavy cream
    • ½ cup semi-sweet chocolate chips
    • ½ teaspoon vanilla
    Prevent your screen from going dark

    Instructions
     

    • To a medium-sized saucepan add the milk & cream.
    • Over medium-low heat warm the liquids for 3-4 minutes. You want it to be hot but not boiling.
    • Add the chocolate chips & vanilla. Whisk to combine over medium-low heat.
    • Once all the chocolate is melted, continue to heat over medium-low heat. Once it is hot and the first few bubbles rise up in the pot, it is ready. Do not let it boil or the chocolate will seize up.
    • To keep warm, leave it on the stove on low. Stir every few minutes.
    • Pour into mugs and top with mini marshmallows. ENJOY!

    Nutrition

    Calories: 576kcalCarbohydrates: 34gProtein: 10gFat: 45gSaturated Fat: 27gPolyunsaturated Fat: 2gMonounsaturated Fat: 12gTrans Fat: 0.04gCholesterol: 92mgSodium: 90mgPotassium: 588mgFiber: 4gSugar: 27gVitamin A: 1194IUVitamin C: 0.4mgCalcium: 292mgIron: 3mg
    Keyword 4-ingredient
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    Hi, I'm Angela I’m Angela, a petite mom that loves to cook, eat, drink, & explore all things food. As a former personal chef & caterer, I specialize in family recipes that taste great & are easy to make. I rely on my trusty stool every day to create & test recipes I know you will love.

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