Cheddars Monte Cristo Sandwich

Cheddar’s Monte Cristo Sandwich is crispy on the outside, and in the inside is a delicious ham and cheese sandwich, where the cheese melts perfectly. Does this sound good to you? Try this Monte Cristo copycat recipe. Enjoy the best Monte Cristo sandwich you can get.

Homemade Cheddar's Monte Cristo sandwich

This post contains affiliate links. As an Amazon Associate, I earn from qualifying purchases.

Classic Monte Cristo Sandwich

A Monte Cristo sandwich isn’t that difficult to make and it can be a wonderful treat to have occasionally. My local Cheddars can have up to a 90-minute wait on a very busy day. So sometimes I will make my own copycat recipe instead of going out, and now that you have this copycat recipe, you don’t have to worry about this recipe being a top secret recipe, it’s easy to recreate with a little know-how.

A Monte Cristo has its origin in the Croque Monsieur in the sense it is a ham and cheese sandwich that is cooked.

In the South, this sandwich is battered and deep-fried. I personally love this hot sandwich. It is warm, crunchy, and crispy, and you can even sprinkle it will powdered sugar. Some people enjoy their Monte Cristo with raspberry preserves.

Monte Cristo Sandwich Ingredients

Here’s a list of what you need:

  • Slices of bread
  • Smoked turkey slices
  • Ham slices
  • American cheese slices
  • Monterey Jack cheese slices
  • Pancake mix
  • Powdered sugar
  • Vegetable oil for frying

How to Make Cheddar’s Monte Cristo Sandwich

  1. Make two sandwiches with smoked turkey, ham, American cheese, and Monterey jack cheese.
  2. Wrap the sandwiches snuggly with plastic wrap.
  3. Place the sandwich in the refrigerator for at least one hour.
  4. Preheat oil to about 320 degrees. If you do not have a deep fryer, use a pot on your stovetop that you have filled with oil.
  5. Prepare pancake batter according to the package instructions.
  6. Gently unwrap the sandwiches and dip them into the batter.
  7. Place the battered sandwich in hot oil and cook until golden, flipping as needed so both sides brown evenly.
  8. Place the sandwich on a wire rack to drain.
  9. Cut the sandwich in half and dust with powdered sugar.
Half of a homemade Cheddar's Monte Cristo sandwich

Recipe Notes

Make the sandwiches ahead of time, and then wrap them with a bit of plastic wrap and place them in the refrigerator. I think this really helps to bind the sandwich together before you batter it. The sandwich will bind together when you take this extra step.

Use your favorite pancake batter to dip the sandwiches in. My personal favorite is the Krustez brand. You just need to add water, and you are in business. I hope you enjoy this classic Monte Cristo sandwich!

Use a deep fryer. I recommend the T-fal FR4049 Family Pro 3-Liter Oil Capacity Electric Deep Fryer to fry these sandwiches. I can get in two triangles at once. Best of all it keeps the temperature at a nice even heat, and it will allow me to strain the oil so I can reuse it again.

Half of a Monte Cristo sandwich

Love Cheddars? Try these copycat restaurant recipes!

Be sure to check out more of my easy dinner recipes and the best restaurant copycat recipes here on!

Homemade Cheddar's Monte Cristo Sandwich

Cheddars Monte Cristo Sandwich

Enjoy making your own Cheddars Monte Cristo Sandwich
5 from 9 votes
Print Pin Rate Add to Collection
Course: Main Course
Cuisine: American
Keyword: Cheddars Monte Cristo Sandwich, Cheddars Recipes, Monte Cristo Sandwich
Prep Time: 15 minutes
Cook Time: 10 minutes
Total Time: 25 minutes
Servings: 2
Calories: 969kcal


  • 4 slices bread
  • 4 slices smoked turkey
  • 4 slices ham
  • 2 slices American cheese
  • 2 slices Monterey Jack cheese
  • 2 cups prepared pancake mix
  • 1 tablespoon powdered sugar
  • vegetable oil for frying


  • The Prep Make the sandwiches ahead of time. Make two sandwiches with 2 slices of smoked turkey, 2 slices of ham, and one slice of American cheese, and one slice of Monterey jack cheese. Wrap the sandwiches individually snuggly with plastic wrap. Place the sandwich in the refrigerator for at least one hour. You may want to do this overnight. 
  • Preheat oil to about 320 degrees. Use you favorite pancake batter, make enough batter to prepare about six 4-inch pancakes. Gently unwrap the sandwiches and dip into the batter. Place the battered sandwich in hot oil and cook until golden. If you need to be sure to flip the sandwich over so both sides brown evenly. Place the sandwich on a wire rack to drain. Allow the sandwich to rest for about 1 minute, then cut the sandwich, and dust with powdered sugar if desired.


Calories: 969kcal | Carbohydrates: 52g | Protein: 36g | Fat: 69g | Saturated Fat: 45g | Cholesterol: 131mg | Sodium: 1975mg | Potassium: 474mg | Fiber: 3g | Sugar: 8g | Vitamin A: 575IU | Calcium: 645mg | Iron: 3.8mg

About Stephanie Manley

I recreate your favorite restaurant recipes, so you can prepare these dishes at home. I help you cook dinner, and serve up dishes you know your family will love. You can find most of the ingredients for all of the recipes in your local grocery store.

Stephanie is the author of's Dining Out in the Home, and's Dining Out in the Home 2.

REVEALED: Copycat Secrets for 2023

free email bonus

Yes, you CAN make it at home! I'll show you how.

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites.

Reader Interactions


  1. Kenda

    How could cook this without deep frying. I just don’t have a deep fryer, but love the Chedders & Bennigans Monte Cristo ❤️

    • Stephanie Manley

      To be honest, I don’t know how to get a batter on here and then, “fry” it. The batter will slip off if you try to air fry it. I think baking it won’t be so great either, you could try to pan fry it, in a pan with some butter. It won’t be quite the same, but that’s the only way I could think it could work.

  2. Gloria

    5 stars
    Made it for the first time today and it was delicious!!! Didn’t look as pretty as yours, but it was great and will definitely make again.

  3. Gloria

    Thank you for this recipe. I am living in China, so I don’t have access to Cheddar’s. I do think I am missing food from home and getting bored with the same old stuff I eat here. I’m a little leery of eating out, because my first year here I had five cases of food poisoning. Then, when I cooked at home and packed my lunches, I didn’t get sick. The trick to making this is finding the turkey slices. Ham slices are very easy to come by, so is the white bread, but to get the cheeses, I will probably have to go to the western-oriented grocery store. That’s where I found the turkey slices the last time. It’s not an item they normally carry, but I snapped up two packages and put one in the freezer. I look forward to trying this!!! I wondered how to get the outer shell of the sandwich, and didn’t realize it was pancake mix! The other recipes I found said to coat the sandwich in egg and then fry it. They didn’t look like the Cheddar’s Monte Cristo, but I know where to go now to recreate this!

  4. Alanna

    I just had a monte cristo 2 days ago! I love them but this time seemed short on meat. I found a raspberry jam at the store that I warmed a little in the microwave to dip my leftover half sandwich. Why do you make 2 sandwiches? I can’t ever eat the whole one from Cheddar’s.

    • Alanna

      I just had a monte cristo 2 days ago! I love them but this time seemed short on meat. I found a raspberry jam at the store that I warmed a little in the microwave to dip my leftover half sandwich. Why do you make 2 sandwiches? I can’t ever eat the whole one from Cheddar’s.

  5. Docmo

    Such a sandwich could ruin my day. But hey, that’s what I’m here for. Will absolutely try this. Doesn’t seem very hard to do. It might even be better with bacon added. Don’t you think? I do.

  6. Carolina

    I usually use French Toast style bread rather than deep frying. I also use provolone and have a side of strawberries in sugar (makes its own syrup) to put over the sandwich with powdered sugar sprinkled on top! Delish!!

    • Linda

      5 stars
      I just left Cheddars for the 2nd time for this Sandwich, it’s so good I came back and got right on line to fine the recipe copy. Its great but I can’t afford that price every week. Going to make my own.

  7. Cathy

    Wow. I have to confess that I’ve never eaten a Monte Cristo sandwich before, but this looks and sounds delicious! I might have to make it soon, you know, for my husband.

5 from 9 votes (4 ratings without comment)

Leave a Reply

Your email address will not be published. Required fields are marked *

Recipe Rating

homemade Olive Garden Asiago Torgelloni Alfredo with chicken on a plate

Copycat Recipe Secrets for 2024


Yes, you CAN make it at home! 
I'll show you how.