Gluten-free Monte Cristo sandwich cut diagonally with melted Swiss and powdered sugar

Monte Cristo Sandwiches

on May 25 2026
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    A Monte Cristo is what happens when a ham and cheese sandwich decides to become dessert. Ham, turkey, and Swiss go between two slices of bread, the whole thing gets dipped in egg like French toast and griddled in butter until the crust is deep gold and the cheese has gone molten, and then, improbably, it arrives dusted with powdered sugar and a spoonful of raspberry jam on the side. Sweet and salty at the same time, and completely worth the mess. The one thing standing between most gluten-free households and a good Monte Cristo is bread that can survive an egg dip without falling apart, which is exactly what a loaf from Pamela's Bread Mix is for. There is a second recipe further down too, a baked pan version that a Pamela's family has been making for three generations. So good, no one will guess it is gluten-free, the way Pamela's has done it since 1988.

    Why You'll Love This Monte Cristo

    • Sweet and savory in the same bite. Salty ham, nutty Swiss, and a dusting of powdered sugar with jam on the side.
    • Griddled, not deep fried. All of the golden crust, none of the pot of hot oil.
    • Twenty minutes at the stove. Once the bread is sliced, these come together fast.
    • Bread that actually holds up. A loaf from Pamela's Bread Mix has the structure to take an egg dip and a flip.
    • Two ways to make it. The classic griddled sandwich, plus an easy baked pan version for feeding a crowd.

    What Is in a Traditional Monte Cristo Sandwich?

    A traditional Monte Cristo is ham, turkey, and Swiss cheese layered between two slices of bread, dipped in beaten egg, and fried or griddled in butter until golden, then dusted with powdered sugar and served with raspberry or currant preserves for dipping. That combination of savory filling and sweet finish is the whole identity of the sandwich, and it is what separates it from every other grilled ham and cheese.

    The sandwich is the American descendant of the French croque monsieur, and it picked up the turkey, the egg dip, and the powdered sugar somewhere along the way, most likely in Southern California in the 1950s. Restaurant versions often go further and deep fry the sandwich in a thick batter, which is the version most people picture from a diner or a chain menu.

    The recipe below is the griddled version. It gets you the same crust, the same molten center, and the same sweet-salty finish, and you can make it in a skillet on a weekday.

    The Best Gluten-Free Bread for a Monte Cristo

    The best gluten-free bread for a Monte Cristo is a firm, close-crumbed sandwich loaf sliced about 1/2 inch thick, and ideally a day old. This is the one ingredient decision that determines whether the sandwich works.

    Here is the problem with most gluten-free bread in this recipe. The sandwich gets dipped in egg batter and then cooked in a hot pan, so the bread has to absorb liquid, hold its shape while you flip it, and stay intact under a filling that is heavier than it looks. Bread that is too soft, too open-crumbed, or too fresh turns to paste in the batter. This is also why the packaged gluten-free sandwich bread that works fine for a cold turkey sandwich often falls apart here.

    A loaf baked from Pamela's Gluten-Free Bread Mix has the structure this recipe needs, and it lets you cut your own slices at the thickness you want rather than working with whatever a bag gives you.

    Bake the loaf that makes this work Pamela's Gluten-Free Bread Mix, 19 oz. A yeast packet is included in the box. One loaf gives you enough slices for four Monte Cristos with the heels left over for croutons. GFCO-certified.

    Two things that help either way: slice the bread a day ahead and leave it out uncovered so it dries slightly, and never use bread straight from the freezer without thawing it fully first.

    How to Get a Golden Crust and a Melted Middle

    The difficulty with this sandwich is that the outside browns faster than the inside melts. Four things fix it.

    Dip, do not soak. Two or three seconds per side is enough. The batter should coat the bread, not saturate it. A soaked slice steams from the inside and never crisps.

    Medium heat, not medium-high. High heat gives you a dark crust over cold cheese in about ninety seconds. Medium heat takes three to four minutes a side and gets the cheese there in time.

    Butter, and enough of it. Butter browns the crust in a way oil does not, because the milk solids are what create the color and the flavor. Add a fresh knob to the pan between batches.

    Cover the pan for the first minute of the second side. A lid traps enough heat to finish the cheese without darkening the crust further. This is the trick that makes the difference, and almost nobody does it.

    Room-temperature filling helps too. Deli meat and cheese straight from the fridge add a full minute of cold to the center. Set them out while you slice the bread.

    Prep Time 15 minutes
    Cook Time 20 minutes
    Total Time 35 minutes
    Yield 4 sandwiches
    Serving Size 1 sandwich

    Ingredients

    • 8 slices gluten-free sandwich bread from Pamela's Gluten-Free Bread Mix, about 1/2 inch thick, preferably a day old
    • 8 slices Swiss cheese
    • 8 ounces sliced deli ham
    • 8 ounces sliced deli turkey
    • 4 large eggs
    • 1/2 cup milk
    • 1/4 teaspoon salt
    • 2 tablespoons butter, plus more as needed
    • Powdered sugar, for dusting
    • Raspberry preserves, for serving

    Directions

    1. Set the deli meat and cheese out while you slice the bread so they lose the chill from the refrigerator.
    2. Build each sandwich with a slice of Swiss, 2 ounces of ham, 2 ounces of turkey, and a second slice of Swiss between two slices of bread. Keeping the cheese on the outside of the filling helps hold the sandwich together in the pan. Press each one down firmly.
    3. Whisk the eggs, milk, and salt together in a wide shallow dish until no streaks of white remain.
    4. Melt 1 tablespoon of butter in a large skillet over medium heat. Medium is deliberate. Higher heat browns the crust before the cheese has any chance to melt.
    5. Dip one sandwich in the egg mixture, two to three seconds per side, letting the excess run off. Do not soak it. Move it straight to the pan.
    6. Cook two sandwiches at a time, about 3 to 4 minutes on the first side, until deep golden. Flip, cover the pan for the first minute, then uncover and cook another 3 to 4 minutes until the second side matches and the cheese has melted through.
    7. Wipe the pan, add fresh butter, and repeat with the remaining sandwiches.
    8. Cut each sandwich in half on the diagonal, dust generously with powdered sugar, and serve right away with raspberry preserves alongside for dipping.

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    Recipe Tips & Notes

    The Easy Baked Monte Cristo

    This one belongs to a member of the Pamela's family. It was created by Jaunny, who tells it best:

    "When I was young and my mother took me to the Ayres Tea Room in Indianapolis, I chose their Monte Cristo Sandwich. I loved it so much, my mother created her own much easier version to make at home. When I became a mother, I made it for my little boy, and it became his favorite too, especially as leftovers in his school lunch. The Ayres Tea Room is gone, and so is my mother, but their recipes live on."

    It is not a griddled sandwich. It is a layered pan bake with a tender biscuit crust made from Pancake & Baking Mix, and it does something the classic cannot: it feeds six to eight people at once, it bakes while you are doing something else, and it is excellent cold the next day. If you are making brunch for a table rather than a sandwich for yourself, make this one.

    It also happens to be egg-free, which the classic version is not.

    What you need

    • 2 cups Pamela's Gluten-Free Pancake & Baking Mix
    • 1/2 cup butter, diced small or grated on a large-hole grater, well chilled
    • 1/2 cup milk
    • 2 cups shredded mozzarella cheese
    • 1/2 pound baked ham, sliced 1/8 inch thick
    • 1/2 pound baked turkey, sliced 1/8 inch thick
    • 1/2 cup strawberry fruit spread
    • Powdered sugar, for dusting

    How to make it

    Heat the oven to 375 degrees F with a rack in the middle. Line an 8x8-inch square baking dish with two crisscrossed strips of parchment paper, leaving about an inch of overhang on all sides so you can lift the whole thing out later. Spray with nonstick cooking spray.

    Using a pastry blender, two knives, or a fork, cut the butter into the Pancake & Baking Mix until the mixture looks like coarse crumbs. Add the milk and mix until it just comes together. The dough will be crumbly, and it is supposed to be.

    Crumble half the dough into the bottom of the pan and pat it gently with an oiled silicone spatula to cover the base evenly. Sprinkle 1 cup of mozzarella over the dough, then layer on half the ham and half the turkey. Spread all of the fruit spread over the turkey, leaving a half-inch clear margin around the edge. Layer on the remaining ham, then the remaining turkey, then the last cup of mozzarella. Crumble the rest of the dough over the top and spread it with the oiled spatula. It does not need to be smooth.

    Bake 30 to 40 minutes, until the top is golden and the middle is bubbling. Cool in the pan on a rack for 15 to 20 minutes, then lift it out by the parchment onto a wire rack. Flip it gently onto a serving dish, cut into triangles, dust with powdered sugar, and serve.

    Makes 6 to 8 servings. Contains milk and tree nuts. See below.

    What to Serve With Monte Cristo Sandwiches

    A Monte Cristo is rich, sweet, and salty all at once, so the best things to serve alongside it are sharp, acidic, or plain.

    A green salad with a sharp vinaigrette is the classic answer and the best one. Something with mustard and vinegar in it cuts straight through the butter and the powdered sugar.

    Cornichons or dill pickles. Acid and salt, no sweetness. Put a small dish on the table.

    Tomato soup, if you are leaning into the grilled-cheese side of the sandwich's personality.

    Fruit that is more tart than sweet. Sliced green apple, orange segments, or fresh berries without sugar.

    A simple slaw with a vinegar base rather than a creamy one.

    For brunch, one sandwich half per person alongside a salad is plenty. These are heavier than they look, and a whole one is a full meal.

    What to skip: anything sweet. The powdered sugar and the jam already occupy that space, and a sweet side turns the plate into dessert.

    What These Recipes Contain

    The two recipes on this page have different allergen profiles, so read the one you are making.

    The classic griddled Monte Cristo contains egg and milk. Four eggs go into the batter and there is butter in the pan and Swiss cheese in the sandwich. It contains no nuts. Pamela's Bread Mix is made without dairy, egg, or nuts, and it is produced in a certified gluten-free, peanut-free facility.

    The easy baked version contains milk and tree nuts, and no egg. There is butter, milk, and mozzarella in it. The tree nut comes from the Pancake & Baking Mix itself, which contains almond meal and cultured buttermilk. That mix is also produced on equipment that processes soy.

    So neither version is both egg-free and nut-free. If you need egg-free, make the baked version. If you need nut-free, make the classic.

    Two more things to check on your own shelf. Powdered sugar usually contains cornstarch as an anti-caking agent, so look for a corn-free confectioners' sugar if you are avoiding corn. And deli meat is worth reading the label on, since some brands use wheat-based fillers or seasonings.

    Everything from Pamela's is certified by the Gluten-Free Certification Organization.

    Make-Ahead and Storage

    The classic is best eaten immediately. A Monte Cristo does not hold. The crust softens within minutes and reheating never quite brings it back. What you can do ahead is assemble the sandwiches, wrap them, and refrigerate up to 4 hours, then mix the batter and cook to order.

    The baked version is the make-ahead one. Assemble it in the pan, cover, and refrigerate up to 24 hours before baking. Add about 5 minutes to the bake time if it goes into the oven cold.

    Leftovers of the baked version keep 3 days covered in the refrigerator. Reheat slices in a 350 degrees F oven for 10 minutes to bring the crust back, or eat them cold, which is how Jaunny's son took them to school.

    Freezer: the baked version freezes well. Cool completely, cut into portions, wrap tightly, and freeze up to 2 months. Reheat from frozen in a 350 degrees F oven for about 25 minutes.

    Ways to Change It Up

    Deep fried, the diner way. Whisk 1 cup of Pamela's Gluten-Free Pancake & Baking Mix with 1 cup of milk and 1 egg into a batter, dip the assembled sandwich, and fry in 350 degrees F oil for 2 to 3 minutes per side. Secure with toothpicks first. Adds tree nuts.

    Turkey only, or ham only. Both are traditional. Use a full 4 ounces of the one you want per sandwich.

    Gruyere instead of Swiss. Nuttier and it melts beautifully. Emmental works too.

    Dairy-free. Use a dairy-free sandwich slice and cook in oil rather than butter. The crust browns less deeply, so give it an extra minute per side. Skip the Swiss entirely and lean on a good mustard if the substitute cheeses do not appeal.

    Add a fried egg. Not traditional, excellent anyway, and it turns the sandwich into a full breakfast.

    Currant or blackcurrant preserves in place of raspberry. This is the older pairing and arguably the better one.

    Other Recipe Notes

    Use fresh eggs you separate yourself. Carton egg whites are pasteurized and will not whip to full volume.

    Spoon and level the flour rather than scooping the measuring cup through the bag.

    Store the cooled cake in an airtight container at room temperature for up to 3 days, or freeze it wrapped for up to 3 months.

    We've Got Answers

    A croque monsieur is ham and cheese topped with bechamel and broiled, while a Monte Cristo is dipped in egg, griddled or fried, and finished with powdered sugar and jam. The Monte Cristo is the American descendant and usually adds turkey. The sweet finish is the clearest difference between them.

    Raspberry preserves are the classic pairing, with blackcurrant a close and slightly more tart second. Serve about a tablespoon per sandwich in a small dish for dipping rather than spreading it inside. Strawberry works too, which is what Jaunny's family used in the baked version further up this page.

    Yes, and the griddled version above is the one we recommend. Cook the egg-dipped sandwich in butter over medium heat, three to four minutes per side. You get the same golden crust and melted center without a pot of hot oil. If you do want to fry, use a neutral high-smoke-point oil at 350 degrees F.

    Swiss is traditional and melts cleanly without releasing much oil. Gruyere is the upgrade if you want something nuttier, and Emmental works well too. Avoid pre-shredded cheese here, since the anti-caking starch keeps it from melting smoothly. Slice it yourself from a block if you can.

    The classic griddled version on this page is nut-free, because Pamela's Bread Mix contains no nuts. The easy baked version is not, since Pamela's Pancake & Baking Mix contains almond meal. Both contain dairy. The classic contains egg and the baked version does not, so check which one fits your household.

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