⭐ Greek Yogurt (Best Nut-Free Option)
1/4 cup Greek yogurt per 1/4 cup cream cheeseGreek yogurt has a thick, creamy texture and a tangy flavor profile similar to cream cheese, making it a suitable dairy-based substitute in chili. Its protein structure helps maintain creaminess under moderate heat without breaking down.
To avoid curdling, stir Greek yogurt in off the heat or at low temperature near the end of cooking. Using full-fat versions improves mouthfeel and richness.
The final chili will have a slightly lighter texture and a tangier note compared to cream cheese, enhancing the overall flavor complexity without compromising creaminess.