Quick Recipe Version (TL;DR)
Quick Ingredients
- 2 cups (240 g) all-purpose flour, plus 1 tsp for tossing cheese
- 2 tsp baking powder
- 1/2 tsp baking soda
- 1 tsp fine sea salt
- 1/2 tsp black pepper
- 1/2 tsp garlic powder (optional)
- 1 tsp sugar or honey
- 1 1/4 cups (300 ml) buttermilk
- 1 large egg
- 4 tbsp (57 g) unsalted butter, melted and cooled
- 2 tbsp (30 ml) neutral oil
- 1 tsp Dijon mustard (optional)
- Sharp cheddar: 1 cup (113 g) coarsely shredded + 1/2 cup (70 g) 1/4-inch cubes + 2 tbsp (14 g) shredded for topping
- 1/4 cup (10 g) thinly sliced fresh chives, plus extra for topping
- Pan spray or softened butter; parchment
Do This
- 1. Heat oven to 350°F (175°C). Grease a 9×5-inch loaf pan and line with a parchment sling.
- 2. Whisk flour, baking powder, baking soda, salt, pepper, and garlic powder. Remove 1 tsp of this mix and toss with cheddar cubes.
- 3. Whisk buttermilk, egg, melted butter, oil, sugar, and Dijon.
- 4. Pour wet into dry; fold until a few flour streaks remain. Fold in shredded cheddar, chives, and the floured cheese cubes.
- 5. Scrape into pan, level, and top with remaining 2 tbsp cheddar and a few chives. Rest 5 minutes.
- 6. Bake 45–55 minutes until deeply golden and 200°F (93°C) inside. Cool 15 minutes, then turn out. Cool 30 minutes more before slicing.
Why You’ll Love This Recipe
- Big cheddar flavor with melty pockets and a tender, moist crumb.
- Tangy buttermilk rise for bakery-level texture without yeast.
- Quick to mix in one bowl and perfect alongside soup, chili, or salad.
- Adaptable: add jalapeño heat, bacon, or swap in herbs you love.
Grocery List
- Produce: Fresh chives (plus optional jalapeño for variation)
- Dairy: Buttermilk, unsalted butter, sharp cheddar cheese, 1 large egg
- Pantry: All-purpose flour, baking powder, baking soda, fine sea salt, black pepper, garlic powder (optional), sugar or honey, neutral oil, Dijon mustard (optional)
Full Ingredients
For the cheddar-chive quick bread
- 2 cups (240 g) all-purpose flour
- 2 tsp baking powder
- 1/2 tsp baking soda
- 1 tsp fine sea salt
- 1/2 tsp freshly ground black pepper
- 1/2 tsp garlic powder (optional but tasty)
- 1 tsp sugar or honey
- 1 1/4 cups (300 ml) well-shaken buttermilk, at room temperature
- 1 large egg, at room temperature
- 4 tbsp (57 g) unsalted butter, melted and cooled slightly
- 2 tbsp (30 ml) neutral oil (such as canola or grapeseed)
- 1 tsp Dijon mustard (optional)
- Sharp cheddar, divided:
- 1 cup (113 g) coarsely shredded
- 1/2 cup (70 g) small 1/4-inch cubes
- 2 tbsp (14 g) finely shredded for topping
- 1/4 cup (10 g) thinly sliced fresh chives
- 1 tsp flour for tossing the cheese cubes (take from the measured flour or add extra)
For the pan and topping
- Softened butter or nonstick spray, for the pan
- Parchment paper for a sling (optional but helpful)
- Pinch of flaky sea salt and extra chopped chives, for garnish (optional)

Step-by-Step Instructions
Step 1: Prep the pan and preheat
Heat the oven to 350°F (175°C). Grease a 9×5-inch loaf pan, then line with a parchment sling that overhangs the long sides for easy removal. Lightly grease the parchment as well.
Step 2: Whisk the dry ingredients and prep the cheese
In a large mixing bowl, whisk together the flour, baking powder, baking soda, salt, pepper, and garlic powder (if using). Remove 1 teaspoon of this dry mixture to a small bowl and toss it with the 1/2 cup cheddar cubes to lightly coat; this helps keep the cubes suspended in the batter so you get those melty pockets throughout.
Step 3: Mix the wet ingredients
In a separate bowl or large measuring cup, whisk the buttermilk, egg, melted butter, oil, sugar (or honey), and Dijon (if using) until smooth and well combined. Room-temperature dairy blends more easily and helps the bread bake evenly.
Step 4: Combine, then fold in cheddar and chives
Make a well in the dry ingredients and pour in the wet mixture. Using a spatula, fold gently just until a few flour streaks remain. Add the 1 cup shredded cheddar, the floured cheddar cubes, and the chives. Fold just until evenly distributed; overmixing can make the loaf tough. The batter will be thick.
Step 5: Pan, top, and rest
Scrape the batter into the prepared pan and smooth the top. Sprinkle evenly with the remaining 2 tablespoons shredded cheddar and a pinch of chives. Let the batter rest 5 minutes to hydrate the flour; this encourages a taller rise.
Step 6: Bake to golden perfection
Bake for 45–55 minutes, rotating the pan after 30 minutes, until the top is deep golden and the center registers 200°F (93°C) on an instant-read thermometer. A skewer should come out mostly clean with a few moist crumbs. If the top browns too quickly, tent loosely with foil for the final 10 minutes.
Step 7: Cool, slice, and serve
Cool in the pan for 15 minutes, then lift out using the parchment and transfer to a rack. Cool at least 30 minutes before slicing with a serrated knife. Serve warm or at room temperature; it’s outstanding with tomato soup, creamy chowders, or a simple green salad.
Pro Tips
- For best texture, weigh your flour. If measuring by volume, fluff, spoon, and level to avoid a dense loaf.
- Use block cheddar and grate it yourself on the coarse holes; pre-shredded cheese is coated with anti-caking agents and doesn’t melt as luxuriously.
- Don’t skip tossing the cheddar cubes with a little flour—this keeps the cheesy pockets from sinking.
- Bake to temperature (about 200°F/93°C in the center) for a set crumb that still stays moist.
- High altitude (3000+ ft): decrease baking powder to 1 1/2 tsp and add 1 tbsp buttermilk; start checking at 40 minutes.
Variations
- Jalapeño Cheddar-Chive: Fold in 1 small jalapeño, seeded and finely diced, with the chives.
- Bacon Cheddar: Add 4 slices crispy bacon, chopped and patted dry; reduce salt to 3/4 tsp.
- Herby Whole-Wheat: Use 1 1/2 cups AP flour + 1/2 cup white whole wheat. Add 1 extra tbsp buttermilk and 1 tsp dried thyme.
Storage & Make-Ahead
Cool completely, then wrap airtight. Store at room temperature up to 2 days or refrigerate up to 4 days. For longer storage, slice and freeze up to 2 months; reheat slices in a 325°F (165°C) oven for 8–10 minutes or toast lightly. To prep ahead, whisk dry ingredients and keep in a sealed container for up to 1 week; combine wet ingredients just before baking.
Nutrition (per serving)
Approximate per 1 slice (1/10 loaf): 250 calories; 14 g fat (8 g saturated); 24 g carbohydrates; 9 g protein; 1 g fiber; 2 g sugar; 430 mg sodium. Nutrition will vary with brands and exact toppings.
