Overnight Oats Chocolate Chips

Featured in: Everyday Home Cooking

This dish features creamy rolled oats soaked overnight with milk, Greek yogurt, and chia seeds, blended seamlessly with rich peanut butter and sweet chocolate chips. The oats thicken while chilling, creating a satisfying texture perfect for busy mornings. Optional toppings like sliced bananas and extra chocolate chips add fresh bursts of flavor. Easy to prepare in advance, it's a wholesome start to the day with balanced proteins, fats, and carbs. Adaptable with plant-based alternatives for vegan preferences.

Updated on Mon, 16 Feb 2026 10:12:00 GMT
Creamy overnight oats layered with rich peanut butter and mini chocolate chips for a wholesome, make-ahead breakfast.  Save to Pinterest
Creamy overnight oats layered with rich peanut butter and mini chocolate chips for a wholesome, make-ahead breakfast. | cozybatata.com

My mornings shifted the day I stopped fighting the snooze button and started prepping breakfast the night before. There's something almost magical about opening the fridge to find a jar of creamy oats already waiting, studded with chocolate chips like tiny promises of comfort. No rushing, no burnt edges, just the quiet satisfaction of spooning something warm and homemade directly into a bowl while the world outside is still dark.

I made this for a friend who'd just started a crazy early work schedule, and watching her face light up when she realized she had a gourmet breakfast waiting reminded me that sometimes the smallest gestures feel the most thoughtful. She still texts me about it months later.

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Ingredients

  • Old-fashioned rolled oats: These need enough time to absorb liquid and soften properly, so don't reach for instant or steel-cut varieties here.
  • Milk (dairy or plant-based): The liquid foundation that transforms dry oats into something creamy and spoonable.
  • Plain Greek yogurt: Adds protein and a subtle tang that keeps the sweetness balanced instead of cloying.
  • Chia seeds: They absorb liquid and swell, creating a naturally thick texture you can't replicate any other way.
  • Honey or maple syrup: Your sweetener choice affects the final flavor, so pick whichever one makes you happy.
  • Vanilla extract: Just a half teaspoon lifts everything and prevents the oats from tasting like cardboard.
  • Creamy peanut butter: Stir it in thoroughly so the distribution is even, not clumpy in one corner.
  • Mini chocolate chips: They melt slightly into the oats but maintain their shape, giving you little bursts of chocolate throughout.

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Instructions

Build your base:
Grab a medium bowl or mason jar and combine the oats, milk, yogurt, chia seeds, sweetener, and vanilla. Stir everything together until the dry oats are fully coated and there are no pockets of dry flakes hiding at the bottom.
Fold in the good stuff:
Add the peanut butter and chocolate chips, stirring gently so the chips distribute evenly rather than sinking to the bottom in one heavy clump.
Let it rest:
Cover your jar or bowl and slide it into the fridge. Overnight is ideal, but even six hours works if you're in a time crunch—the longer it sits, the creamier it becomes.
Adjust in the morning:
Your oats might look thick when you open the fridge, which means they're working perfectly. Stir, and add a splash of milk if you want a looser texture that's easier to eat.
Top and taste:
Sliced bananas, another drizzle of peanut butter, and extra chocolate chips transform it from simple to special.
Wholesome oats soaked in milk and yogurt, swirled with peanut butter and sweet chocolate chips for a satisfying morning treat.  Save to Pinterest
Wholesome oats soaked in milk and yogurt, swirled with peanut butter and sweet chocolate chips for a satisfying morning treat. | cozybatata.com

There's a specific moment on difficult mornings when I sit down with this bowl and feel genuinely taken care of—by myself, which is its own kind of victory. It's breakfast that doesn't require anything from you except the memory to make it the night before.

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The Night-Before Ritual

Setting up overnight oats feels less like cooking and more like a small act of kindness toward tomorrow's self. I learned to keep everything in mason jars specifically because seeing them lined up in the fridge on Sunday evening somehow makes the entire week feel more manageable, and grabbing one on the way out the door becomes automatic.

Flavor Variations Worth Exploring

Once you understand the base ratio, this recipe becomes a canvas for experimenting. I've tried almond butter with white chocolate chips, cashew butter with dark chocolate, and even crunchy peanut butter for those mornings when you want texture that fights back.

Making This Work for Your Week

The real magic of overnight oats is that you can prepare three or four jars on Sunday and not think about breakfast again until Thursday, which leaves your brain space for things that actually matter. The mixture keeps beautifully for up to three days, though I find days two and three taste even better as the flavors deepen.

  • Layer your dry oats on top of the liquid the night before so they absorb evenly and don't get mushy in one spot.
  • If you're prepping multiple jars, write the date on the lid so you know which ones to eat first.
  • Frozen berries or banana slices added on day one will thaw overnight and release their juice, naturally sweetening the whole jar.
Velvety overnight oats topped with fresh banana slices, a peanut butter drizzle, and extra chocolate chips for a decadent breakfast. Save to Pinterest
Velvety overnight oats topped with fresh banana slices, a peanut butter drizzle, and extra chocolate chips for a decadent breakfast. | cozybatata.com

This is the breakfast that proved you don't need to choose between convenient and delicious. Make it once, and you'll understand why so many mornings suddenly feel easier.

Recipe FAQs

Can I use plant-based milk for soaking oats?

Yes, plant-based milk like almond or soy works well and can accommodate dietary preferences.

How long should the oats soak overnight?

A minimum of 6 hours is recommended to allow the oats to fully absorb the liquid and soften.

What alternatives to peanut butter can I use?

Almond or cashew butter can be substituted for a different nutty flavor profile.

Can I add extra toppings?

Yes, sliced bananas, extra chocolate chips, or chopped nuts add additional texture and taste.

How long can prepared oats be stored?

They keep well refrigerated for up to three days, making them convenient for meal prep.

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Overnight Oats Chocolate Chips

Wholesome creamy oats combined with peanut butter and chocolate chips, ready after overnight soaking.

Prep time
10 minutes
0
Overall Time
10 minutes
Created by Natalie Bishop

Recipe Type Everyday Home Cooking

Skill Level Easy

Cuisine American

Total yield 2 Number of Servings

Diet Preferences Meat-Free

Ingredient List

Oats Base

01 1 cup old-fashioned rolled oats
02 1 cup milk (dairy or plant-based)
03 1/2 cup plain Greek yogurt (or non-dairy alternative)
04 2 tablespoons chia seeds
05 1 tablespoon honey or maple syrup
06 1/2 teaspoon vanilla extract

Mix-ins

01 2 tablespoons creamy peanut butter
02 3 tablespoons mini chocolate chips

Toppings

01 Sliced bananas (optional)
02 Additional peanut butter drizzle (optional)
03 Extra chocolate chips (optional)

How to Make

Step 01

Combine Base Ingredients: In a medium bowl or large jar, combine the rolled oats, milk, Greek yogurt, chia seeds, honey or maple syrup, and vanilla extract. Stir thoroughly until well combined.

Step 02

Incorporate Mix-ins: Add the creamy peanut butter and mini chocolate chips to the mixture. Stir to distribute evenly throughout.

Step 03

Refrigerate Overnight: Cover the bowl or jar and refrigerate overnight, or for at least 6 hours, allowing the oats to fully hydrate and thicken.

Step 04

Prepare for Serving: In the morning, stir the oats well. If a looser consistency is preferred, add a splash of additional milk and stir until desired texture is achieved.

Step 05

Serve: Portion into serving bowls and top with sliced bananas, a drizzle of peanut butter, and extra chocolate chips as desired.

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Equipment Needed

  • Mixing bowl or mason jar
  • Spoon or spatula
  • Measuring cups and spoons

Allergy Details

Check every ingredient for potential allergens and talk to your doctor if you're uncertain.
  • Contains peanuts
  • Contains dairy if using conventional milk and Greek yogurt
  • Possible soy presence in chocolate chips
  • May contain gluten if oats are not certified gluten-free

Nutrition Info (per serving)

Use this nutrition info as reference only—it isn't a substitute for professional advice.
  • Calories: 390
  • Fats: 17 g
  • Carbohydrates: 45 g
  • Proteins: 15 g

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