Million Dollar Boat Dip

As seen in: Food That Earns Undeserved Culinary Credit

This rich, creamy Million Dollar Boat Dip combines softened cream cheese, tangy sour cream, sharp cheddar, and savory bacon bits for a crowd-pleasing treat. Fresh chives add a burst of flavor and can be swapped with green onions if desired. Stir everything together, chill for an hour, and it's ready to enjoy with buttery crackers. This easy blend is a standout at summer parties, boat outings, or relaxing afternoons by the pool. Its cool, cheesy texture pairs perfectly with crisp crackers, making it an instant favorite for any casual gathering.

Sarah Crisp
Contributed By Sarah Crisp
Last modified on Sun, 29 Jun 2025 13:14:34 GMT
A bowl of Million Dollar Boat Dip with bacon bits. Save This
A bowl of Million Dollar Boat Dip with bacon bits. | cookrisp.com

Every summer I bring this Million Dollar Boat Dip to lake days and backyard parties because it comes together in five minutes and disappears even quicker. With its creamy base and smoky bacon flavor it is perfect for sharing by the pool or while floating on the boat and everyone asks me for the recipe.

The first time I made this dip my friends polished off the bowl before I even grabbed a plate and now it goes with me to every summer party

Ingredients

  • Cream cheese: softened to spread easily and makes the base extra creamy choose full fat for best flavor
  • Sour cream: gives lightness and tanginess use fresh thick sour cream for best results
  • Cheddar cheese: shredded for melty rich flavor sharp cheddar gives the boldest taste look for freshly shredded cheese for best meltability
  • Real bacon bits: add smoky salty crunch I always use real bacon over imitation for the richest flavor
  • Chives: finely chopped for a fresh gentle onion note go for bright green crisp chives for best color and taste
  • Garlic powder: gives subtle savoriness try a good-quality garlic powder for smooth flavor

Step-by-Step Instructions

Soften the Cream Cheese:
Let your cream cheese sit out until perfectly soft This helps you mix everything without any lumps
Mix It All Together:
In a large bowl add softened cream cheese sour cream shredded cheddar bacon bits chives and garlic powder Stir everything slowly but thoroughly I love to use a wooden spoon to really integrate the ingredients
Chill the Dip:
Once everything looks smooth cover the bowl and refrigerate for at least one hour This gives the flavors time to blend and makes it easier to scoop
Serve with Crackers:
Spoon the chilled dip into a serving bowl Arrange Ritz crackers around the dip and watch everyone dig in
A bowl of Million Dollar Boat Dip. Save This
A bowl of Million Dollar Boat Dip. | cookrisp.com

Bacon is my favorite part in this recipe and I remember the first time my nephew helped me mix it in he could not resist sneaking extra crispy bits from the bowl We laughed and now it is our little tradition to save a few just for topping

Storage Tips

Store your boat dip in a tightly sealed container in the fridge It keeps well for up to three days Always give it a little stir before serving to redistribute the creamy base and toppings If your party runs late keep the dip on ice to stay safe outside

Ingredient Substitutions

No chives on hand Try green onions or even finely chopped fresh dill Love a bit of heat Add a pinch of cayenne or diced jalapenos If you are out of bacon turkey bacon or plant based bacon bits also work and still give a smoky effect

Serving Suggestions

Serve with crispy crackers toast rounds or thick cut veggie sticks like celery and pepper strips It is also amazing dolloped on baked potatoes or spread inside a wrap for a quick lunch

Entertaining History

Boat dips like this have been a summer favorite for decades since creamy party dips first became popular in American picnic culture in the 1970s They are designed for easy sharing and to keep cool alongside refreshing drinks while enjoying sunny days

Common Queries

→ Can I use green onions instead of chives?

Yes, green onions can replace chives for a similar fresh, mild onion flavor.

→ How long should the dip chill before serving?

Chill the dip for at least one hour to let the flavors meld and improve its texture.

→ What's the best way to serve this creamy dip?

This cheesy dip is best served cold alongside buttery crackers like Ritz, or with fresh vegetables.

→ Can I make this dip ahead of time?

Absolutely. Prepare it up to a day ahead and keep refrigerated until ready to serve.

→ Is there a way to lighten up the dip?

Use light cream cheese and sour cream to reduce calories while still enjoying creamy flavor.

Million Dollar Boat Dip

Cheesy, creamy dip with bacon and chives, perfect for gatherings or poolside snacks.

Preparation Time
5 Minutes Required
Cooking Duration
~
Overall Time
5 Minutes Required
Contributed By: Sarah Crisp

Recipe Type: Gathering Stars

Skill Level: Beginner-Friendly

Cuisine Type: American

Serving Size: Approximately 2 cups of dip

Dietary Preferences: Low in Carbs

What You’ll Need

01 8 oz cream cheese, softened
02 1 1/2 cups sour cream
03 2 cups cheddar cheese, shredded
04 1 cup real bacon bits
05 8-10 chives, finely chopped
06 1 teaspoon garlic powder

Steps to Follow

Step 01

In a mixing bowl, stir and combine all of the ingredients. Cover and refrigerate for at least one hour.

Step 02

Serve with Ritz crackers.

Additional Notes

  1. I love chives in this dip, but green onions can be substituted.

Allergen Information

Double-check ingredients for allergens, and seek medical guidance if necessary.
  • Dairy

Nutrition Info (Per Serving)

These figures are estimates and shouldn’t replace professional health advice.
  • Calories Per Serving: 234.61
  • Fat Content: 20.51 grams
  • Carbohydrates: 3.05 grams
  • Protein Amount: 10.35 grams