
The rich and indulgent Million Dollar Chicken Casserole transforms simple ingredients into a creamy, comforting masterpiece that lives up to its lavish name. Combining tender shredded chicken with a luxurious blend of cream cheese, cottage cheese, and sour cream creates a velvety texture that coats every bite. The buttery Ritz cracker topping adds the perfect golden crunch that complements the creamy filling below, making this dish truly special for both weeknight dinners and casual gatherings.
Last month, I made this for my sister's family when she was recovering from surgery. Her picky teenagers devoured it completely, even asking for the recipe so they could make it themselves. Something about that buttery cracker topping just makes people forget they've ever claimed not to like casseroles!
Key Ingredients
- Rotisserie chicken: Using pre-cooked chicken saves tremendous time; the slightly seasoned meat adds an extra layer of flavor you can't get from plain chicken
- Cream cheese: Allow it to soften completely at room temperature for easier mixing; the tanginess balances the richness of the dish
- Cottage cheese: Don't be put off if you're not typically a fan; it melts into the mixture creating incredible creaminess without any curds remaining visible
- Sour cream: Adds a subtle tang that prevents the casserole from becoming too heavy; full-fat works best for proper consistency
- Cream of chicken soup: This binding ingredient brings everything together; choose low-sodium varieties if you're watching salt intake
- Ritz crackers: Their distinct buttery flavor creates a topping that's far superior to plain breadcrumbs; crush them just enough to maintain some texture
- Seasonings: The garlic and onion powders provide depth without needing to chop fresh aromatics, saving precious prep time

Detailed Cooking Instructions
- Step 1:
- Preheat your oven to 350°F and generously grease a 9×13-inch baking dish, making sure to get into the corners where sticking often occurs. A light coating of cooking spray works well, but butter adds extra flavor to the edges.
- Step 2:
- Remove all meat from your rotisserie chicken, taking care to discard skin and bones. Shred the chicken using two forks, pulling in opposite directions for ideal texture – not too fine and not too chunky. You'll need approximately 4 cups of shredded chicken.
- Step 3:
- In a large mixing bowl, combine 8 ounces of softened cream cheese, 1 cup cottage cheese, and 1 cup sour cream. Mix vigorously with a spatula until the texture becomes smooth and uniform, which usually takes about 2-3 minutes of continuous stirring.
- Step 4:
- Add one can of cream of chicken soup to your dairy mixture, along with 1 teaspoon garlic powder and 1 teaspoon onion powder. Stir until completely incorporated, making sure to eliminate any cream cheese pockets that might be hiding at the bottom of the bowl.
- Step 5:
- Gently fold in your shredded chicken, mixing thoroughly but carefully to ensure the chicken is evenly coated without breaking it down too much. Season with ½ teaspoon salt and ¼ teaspoon black pepper, adjusting to your taste preferences.
- Step 6:
- Transfer the mixture into your prepared baking dish, spreading it evenly with a spatula. Take time to smooth the top as this will help the cracker topping distribute more evenly.
- Step 7:
- In a small bowl, combine 1½ cups crushed Ritz crackers (about 1½ sleeves) with 4 tablespoons melted butter. Mix until all cracker crumbs are moistened but still maintain some texture rather than becoming paste-like.
- Step 8:
- Sprinkle the buttered cracker mixture evenly over the chicken filling, creating a consistent layer that will brown beautifully during baking. Press down very gently to adhere the crackers to the surface.
- Step 9:
- Bake uncovered in your preheated oven for 30-35 minutes until the edges are bubbling and the cracker topping turns a deep golden brown. If the top browns too quickly, loosely cover with foil for the remaining cooking time.
- Step 10:
- Allow the casserole to rest for 10-15 minutes before serving – this crucial step helps the filling set slightly, making it easier to serve while maintaining its creamy consistency.
Make-Ahead Magic
The true beauty of this Million Dollar Chicken Casserole lies in its flexibility for busy schedules. I've found that assembling everything the night before actually improves the flavor profile as the seasonings have more time to permeate the chicken. Simply prepare as directed, but hold off on adding the cracker topping. Cover the dish tightly with plastic wrap and refrigerate overnight. When you're ready to bake, remove from the refrigerator about 30 minutes before, add the freshly mixed cracker topping, and bake as directed, adding about 5-7 minutes to the cooking time.

Freezer-Friendly Features
On particularly productive weekends, I often make two of these casseroles at once – one for dinner that night and one for the freezer. The key to successfully freezing this dish is proper wrapping. After assembling (without the cracker topping), cover with a layer of plastic wrap pressed directly onto the surface of the casserole, then a layer of aluminum foil. Label with the date and freeze for up to three months. When ready to use, thaw overnight in the refrigerator, add the fresh cracker topping, and bake according to the regular instructions.
Customizing Your Casserole
My family loves the base recipe, but I've discovered that adding a cup of sautéed mushrooms and a handful of baby spinach takes this casserole to new heights. The earthy mushrooms complement the creamy elements beautifully, while the spinach adds color and a nutritional boost without sacrificing flavor. Just make sure to cook out any excess moisture from the vegetables before adding them to prevent a watery casserole.
I discovered by accident that using the roasted garlic cream cheese variety instead of plain creates an incredible flavor dimension. My mother-in-law couldn't stop asking what my secret ingredient was! Now I keep a block of flavored cream cheese in my fridge specifically for this recipe.
This Million Dollar Chicken Casserole has become much more than just a recipe in our household – it's our celebration dish, our comfort food, and our welcome-to-the-neighborhood offering. There's something about the way the creamy filling contrasts with that buttery crunch that makes even the most sophisticated palates appreciate this humble casserole. Every time I make it, I'm reminded that sometimes the most impressive dishes are the ones that bring people together around the table with satisfied smiles rather than fancy techniques or exotic ingredients.
Frequently Asked Questions
- → Can I use canned chicken for this recipe?
- Yes, drained canned chicken works in a pinch, though rotisserie or home-cooked chicken provides better flavor and texture.
- → What can I substitute for cottage cheese?
- Ricotta cheese makes a great substitute with similar texture. You could also use more cream cheese or sour cream if you don't have cottage cheese.
- → How long can I keep this casserole in the freezer?
- The unbaked casserole can be frozen for up to 3 months. Wrap tightly with plastic wrap and foil, and thaw completely before baking.
- → What can I serve with this casserole?
- A simple green salad, steamed vegetables like broccoli or green beans, or garlic bread all pair nicely with this rich casserole.
- → Can I add vegetables to this casserole?
- Absolutely! Frozen peas, diced carrots, broccoli, or spinach make great additions. Just fold them in with the chicken mixture before baking.