These keto chocolate chip pancakes are a delicious low-carb breakfast treat made with coconut flour, cream cheese, and sugar-free chocolate chips for a fluffy, satisfying stack that feels extra special without the sugar.
What makes this recipe even better is that the batter comes together right in a blender, making it quick, easy, and perfect for mornings when you want something homemade without making a big mess in the kitchen.
If you've been missing classic chocolate chip pancakes on keto, this recipe is such a fun way to bring them back to your breakfast table.
They're gluten-free, sugar-free, low in carbs, and made with simple ingredients that work beautifully together.
The coconut flour gives these pancakes structure while keeping them low-carb, and the cream cheese adds richness and tenderness.
Add a few sugar-free chocolate chips to each pancake as they cook, and you have a breakfast that feels like a treat while still fitting your keto lifestyle.
Why These Low-Carb Chocolate Chip Pancakes Recipe Works

These coconut flour keto chocolate chip pancakes are a family-friendly breakfast that proves low-carb eating does not have to feel boring or restrictive.
Here's why this recipe works so well:
- Made with coconut flour: A little coconut flour goes a long way, making these pancakes low in carbs and naturally gluten-free. The use of coconut flour also makes them high in fiber.
- Blender-friendly batter: The ingredients blend together quickly for a smooth pancake batter with very little prep.
- Rich and tender texture: Cream cheese and heavy cream help keep these pancakes soft and satisfying.
- Sugar-free chocolate chips: You get that classic chocolate chip pancake flavor without the added sugar.
- Perfect for meal prep: Leftovers store well in the refrigerator or freezer, making busy mornings much easier.
Coconut Flour Chocolate Chip Keto Pancakes
Coconut flour can be a little tricky if you are new to keto baking because it absorbs a lot more liquid than almond flour. That's why this recipe uses a generous amount of eggs, along with heavy whipping cream and cream cheese, to create a batter that holds together while still staying tender.
The result is a low-carb pancake that has a soft texture, just the right amount of sweetness, and little pockets of melted sugar-free chocolate chips in every bite.
Because coconut flour is naturally gluten-free and tree nut-free, this recipe is also a great option for those who cannot use almond flour.
Ingredients Needed For Keto Chocolate Chip Pancakes

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You'll find the exact amounts in the recipe card, but here's a quick look at what you'll need to make these low-carb chocolate chip pancakes.
- Eggs: Help give the pancakes structure and keep them from falling apart.
- Heavy whipping cream: Adds richness and helps create a tender texture.
- Cream cheese: Gives the batter a creamy base and helps make the pancakes soft.
- Pure vanilla extract: Adds a warm, classic pancake flavor.
- Coconut flour: Keeps the pancakes low-carb, gluten-free, and nut-free.
- Baking powder: Helps the pancakes rise.
- Granulated sugar substitute: Sweetens the batter without adding sugar.
- Sea salt: Balances the sweetness and enhances the flavor.
- Butter: Used for cooking the pancakes and adding flavor.
- Sugar-free chocolate chips: Give these pancakes their classic chocolate chip goodness.
How To Make Keto Chocolate Chip Pancakes

To make these blender keto pancakes, start by adding the eggs, heavy whipping cream, cream cheese, and vanilla extract to a high-powered blender. Blend until the mixture is smooth and fully combined.
Next, add the coconut flour, baking powder, sugar substitute, and salt. Blend the batter again, stopping a couple of times to scrape down the sides with a spatula. This step is important because coconut flour can sometimes stick to the sides of the blender.
Once the batter is ready, heat a nonstick skillet over medium heat and melt a little butter in the pan. Add about three tablespoons of batter to the skillet for each pancake. Keeping the pancakes on the smaller side makes them much easier to flip.
Sprinkle a few sugar-free chocolate chips over the top of each pancake while the first side cooks. Once bubbles begin to form and the edges look set, carefully flip the pancake and cook the other side until fully cooked through.
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Continue cooking the remaining batter, adding more butter to the skillet as needed. Serve warm with whipped cream and sliced strawberries, or enjoy them with your favorite sugar-free syrup.
Tips For The Best Coconut Flour Keto Pancakes
Coconut flour pancakes are a little more delicate than traditional pancakes, so a few simple tips can make all the difference.
Keep the pancakes small so they are easier to flip. About three tablespoons of batter per pancake is a good amount.
Use medium heat rather than high heat. Coconut flour pancakes need time to cook through without burning on the outside.
Make sure your cream cheese is at room temperature before blending. This helps the batter become smooth instead of lumpy.
Scrape the sides of the blender as needed. Coconut flour can cling to the sides, and you want it fully mixed into the batter.
Don't add too many chocolate chips to each pancake. A few sprinkled on top gives you that chocolate chip flavor without weighing down the batter.
Topping Ideas
These keto chocolate chip pancakes are delicious on their own, but toppings make them even better.
Try serving them with:
- Whipped cream
- Sliced strawberries
- Sugar-free maple syrup
- A pat of butter
- A light dusting of powdered sugar substitute
Storage & Serving Tips
Store any leftover pancakes in an airtight container in the refrigerator for up to 5 days.
To reheat, warm them in a skillet over low heat, in the microwave, or in a toaster oven until heated through.
You can also freeze these keto pancakes for up to 3 weeks. Place parchment paper between each pancake before freezing so they don't stick together. When ready to enjoy, reheat them from frozen or thaw them overnight in the refrigerator.
These pancakes are great for meal prep because you can make a batch ahead of time and enjoy a quick low-carb breakfast during the week.
Tag Us
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You can also visit our Amazon Store for some of our favorite keto baking tools, pantry staples, and low-carb recommendations.
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Keto Chocolate Chip Pancakes (Coconut Flour)
These keto chocolate chip pancakes are made with coconut flour, cream cheese, and sugar-free chocolate chips for a rich, fluffy, low-carb breakfast. The batter comes together easily in a blender, making this gluten-free and sugar-free pancake recipe perfect for busy mornings or weekend brunch.
Ingredients
- 7 eggs, at room temperature
- ½ cup heavy whipping cream
- 8 ounces cream cheese, at room temperature
- 1 teaspoon pure vanilla extract
- ½ cup coconut flour
- 2 teaspoon baking powder
- ½ cup granulated sugar substitute
- ¼ teaspoon sea salt
- 2 to 3 tablespoons butter, divided
- ½ cup sugar-free chocolate chips
Instructions
1. Using a high-powered blender (or an electric mixer and a large mixing bowl), blend the eggs, whipping cream, cream cheese, and vanilla extract until fully combined. Add the coconut flour, baking powder, sugar substitute, and salt. Blend the pancake batter, stopping to scrape the sides of the blender or mixing bowl with a spatula a couple of times to ensure that the ingredients are well incorporated.
2. In a nonstick skillet over medium heat, melt one teaspoon of butter. Using a ladle or large spoon, add about three tablespoons of batter to the hot skillet and sprinkle a few chocolate chips over the top of the pancakes. Cook for about 2 minutes until bubbles start to form. Flip and cook another 1½ to 2 minutes until fully cooked. Repeat with the rest of the batter, adding butter before each uncooked pancake.
3. Store any leftovers in the refrigerator for up to 5 days or freeze for up to 3 weeks.
4. Top the pancakes with whipped cream and slices of strawberries before serving (optional).
Nutrition Information:
Yield:
10Serving Size:
1Amount Per Serving: Calories: 109Total Fat: 16gSaturated Fat: 50gSodium: 39mgCarbohydrates: 2.9gNet Carbohydrates: 2.5gFiber: 0.4gSugar: 10gProtein: 8g





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