Meet the French toast with the most! Jam-sweetened cream cheese, fresh strawberries, and banana slices layered between thick, fluffy slices of bread, this Stuffed French Toast is pure breakfast pampering. Treat yourself!

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One of my “in another life” careers is to own a bed and breakfast. We’d have a wrap-around porch, five-star rating on Trip Advisor, and be renown for our homemade breakfasts. The house special: stuffed French toast.
Now that our lives are busier, cooking an all-out breakfast isn’t something I do often for just Ben and myself (or if I do, it’s a 100% make-ahead option like Overnight French Toast).
The weekend I was testing this stuffed French toast, however, it was just the two of us. I channeled my inner B&B host and threw in a side of Oven Baked Bacon to seal the deal.

SO. FUN.
Indulging in a big breakfast turned a normal weekend at home into a memorable, relaxing day spent in PJs just because.
Whether you need a special breakfast for a crowd, someone’s birthday or Mother’s Day, or just because, this stuffed French toast will put you in a happy mood that’s sure to last the day through.
5 Star Review
“So refreshing to see a French toast that uses some restraint in the amount of sugar! Just what I’ve been looking for!”
— Janet —

How to Make Stuffed French Toast
This creamy stuffed French toast recipe is on the decadent side but (per usual) I used a few simple swaps to lighten it up.
Go ahead, have another piece!
I tested both a stovetop method and a baked stuffed French toast. We both preferred the stovetop method.
- Cooking French toast on the stovetop helps the outsides to turn golden and crisp and the extra thick French toast “sandwich” to cook through evenly.
- For a baked French toast option, check out this Blueberry French Toast Casserole or classic Baked French Toast.

The Ingredients
- Bread. It’s not French toast without it! For a healthy stuffed French toast, use whole wheat bread (just like I do for French Toast Sticks). Whole grains offer additional fiber and nutrients compared to white bread. Plus, this French toast has so much going on, the swap doesn’t take away from it.
- Eggs + Milk. I found 1% milk gave us a French toast that was plenty rich. For even more decadence, use whole milk or swap part of the milk for half-and-half.
- Strawberries + Banana (or fruit of choice). French toast topped with fruit is tasty but French toast stuffed WITH bananas and strawberries is next level! Feel free to use one or both fruits.
- Cream Cheese. I used reduced fat cream cheese, and the filling was every bit as creamy as I dreamed.
- Jam. Instead of sweetening the cream cheese filling with sugar, I used pure fruit jam.
The Directions

- Prepare the reduced-fat cream cheese filling.

- To begin assembling the stuffed French toast, spread the filling on one side of each slice of bread.

- Layer the fruit of your choice on top of the filling.

- Put the two sides together like a sandwich.

- Whisk the French toast batter together in a shallow baking dish.

- Dip each sandwich in the batter, turning it a few times to thoroughly coat.
- Cook the sandwiches for 8 to 10 minutes over medium-low heat, until golden on both sides and the custard is cooked through, gently flipping once halfway through. ENJOY!
Why is My French Toast Soggy?
French toast should be moist and tender inside, but it is not supposed to be gooey. If your French toast is soggy, it’s likely because:
- Your bread is too fresh. The best bread for French toast is day-old bread. Because it’s dry, it can absorb the custard but won’t become soggy. (No day-old bread? Simply toast your slices in the oven for a few minutes first to help dry it out.)
- You let the bread sit too long in the custard. It’s a fine line. You want the bread to be moist almost all the way through, but you don’t want it completely wet or falling apart.
- Your pan is too hot. If your French toast is burning outside before the inside is cooked, lower your skillet heat. For extra-thick stuffed French toast sandwiches like these in particular, you need low-to-medium heat to ensure the custard cooks all the way though.

Side Dishes that Go Well with French Toast
- Fresh fruit. Slice up whatever is in season, or serve this Fruit Salad for a special meal.
- Yogurt + Granola. For a double hit of creaminess, serve plain or vanilla Greek yogurt with a sprinkle of Healthy Granola (or the Ridiculously Addictive Maple Quinoa Granola from my cookbook) on top for crunch.
- Egg Muffins or Breakfast Casserole. Rather than tossing more carbs into the mix (delish, but this stuffed French toast has them covered), serve your French toast alongside protein-rich Egg Muffins, this Healthy Breakfast Casserole, or this veggie-packed Vegetarian Breakfast Casserole.
- Air Fryer Bacon. The sweet and savory combo of bacon and French toast is a forever favorite.
Storage Tips
- To Store. Place leftovers in an airtight storage container in the refrigerator for up to 3 days.
- To Reheat. Gently rewarm French toast in a nonstick skillet until cooked through.
- To Freeze. Tightly wrap individual stuffed French toast “sandwiches.” Freeze for up to 1 month. Let thaw overnight in the refrigerator.
Meal Prep Tip
The night before, slice your bread and leave it out to dry. Mix up the cream cheese filling and store in the refrigerator. When ready to cook, let the filling sit at room temperature until it becomes easily spreadable.
Recommended Tools to Make this Recipe
- Stovetop Griddle. Plenty wide to cook multiple pieces of this French toast or Oatmeal Pancakes.
- Cast Iron Skillet. Pre-seasoned and perfect for baking this Sweet Potato Hash, and also searing, sautéing, broiling, braising, or frying.
- Knife Set. Quality steel and ergonomic grips in this 7-piece set, include a bread knife for this French toast.
Serve up this stuffed French toast at your own pretend family “B&B.” It’s 5-star review guaranteed!
Stuffed French Toast
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Ingredients
FOR THE FILLING:
- 8 ounces reduced-fat cream cheese or Neufchatel, softened to room temperature
- 2 tablespoons fruit jam or maple syrup, or honey (I used apricot jam)
- 1 teaspoon pure vanilla extract
- Pinch kosher salt
- ½ cup thinly sliced fresh strawberries or try peaches!
- ⅓ cup thinly sliced banana or more strawberries, peaches, or fruit of choice
FOR THE FRENCH TOAST:
- 12 thick about 1/2-inch slices of day-old bread* (about 1 large loaf; I used whole grain sourdough)
- 4 large eggs
- ¾ cup milk any kind you like. I used 1%
- 1 teaspoon ground cinnamon
- 1 teaspoon pure vanilla extract
- Butter or nonstick spray
FOR SERVING:
- Pure maple syrup
- Sliced bananas and strawberries
- Whipped Cream
Instructions
- If you’d like to keep the French toast warm between batches, preheat your oven to 225 degrees F.
- Prepare the cream cheese filling: In a mixing bowl, beat together the cream cheese, jam, vanilla, and salt.
- Assemble the stuffed French toast: Spread 1 side of each of the 12 slices of bread with a layer of the cream cheese mixture, dividing it evenly between each and leaving a 1/4-inch border around all sides.
- Arrange a layer of strawberry and banana slices on top of 6 of the slices. (It's okay for the fruit to overlap a little bit).
- Lay the remaining 6 slices on top, cream-cheese side down, to create a French toast “sandwich.”
- In a shallow baking dish or bowl, whisk together the eggs, milk, cinnamon, and vanilla extract.
- To cook the French toast: Heat a large non-stick skillet or griddle over medium-low heat (about 325 to 350 degrees F on an electric griddle). Melt butter in the skillet, or coat with nonstick spray. Working one or two at a time, dip each sandwich in egg mixture, turning it a few times to thoroughly coat. If your bread is very dense and doesn't readily absorb the egg mixture (mine was), let the sandwich sit in the egg mixture for 10 to 20 seconds on each side to give the bread time to absorb it (the sandwiches shouldn't be completely soggy, but you do want the egg mixture to penetrate more than just the very outsides; if your bread is very dense, it may need closer to 30 seconds a side).
- Lift up each sandwich and allow any excess mixture to drip off the bread and back into the bowl. Cook the sandwiches for 8 to 10 minutes, until golden on both sides and the custard is cooked through, gently flipping once halfway through. Keep the heat low and adjust as needed so that the French toast cooks and turns lightly crisp and golden on the outside but does not burn.
- If desired, place the French toast on a baking sheet and keep warm in the oven while you prepare remaining batches. Serve hot with toppings of choice.
Video
Notes
- *For a more decadent spin, make brioche French toast (swapping brioche bread for the whole grain bread) or challah. For max speed and ease, use Texas Toast. If your bread isn’t stale or is very fresh/soft, toast it in the oven at 350 degrees for 8 minutes, flipping it once halfway through.
- TO STORE: Place leftovers in an airtight storage container in the refrigerator for up to 3 days.
- TO REHEAT: Gently rewarm French toast in a nonstick skillet until cooked through.
- TO FREEZE: Tightly wrap individual stuffed French toast “sandwiches.” Freeze for up to 1 month. Let thaw overnight in the refrigerator.
Nutrition
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Sweet breakfast recipes are perfect to enjoy with family and friends, or indulge on a weekend. Here are some of my favorites:
this looks sooooooooooooo goooooooooooooood, I have a quick question or two. can I use canned peached and another kind of milk instead of non fat
Hi Sharyn! Canned peaches should work fine, and you can use any type of milk you prefer. I hope you enjoy the recipe!
Nice recipe for a special occasion, made for my husbands birthday. And easy enough anytime. I used blueberries, banana and strawberries and fig jam as what I happened to have handy.
Thanks for the idea!
Great to hear, thank you Frances!