Preheat your oven to 425°F (220°C) and line a [baking sheet] with parchment paper. My Olivia always reminds me this is the “get-the-house-smelling-good” step.
In a large bowl, whisk together the [flour], [baking powder], and [salt] until evenly blended. This is a great job for kids since it’s mess-free and important.
Add the cold, cubed [butter] and use a pastry cutter or your fingertips to work it into the flour until pea-sized crumbs form. I always tell Olivia, “Those little butter pockets are what make them flaky.”
Stir in the [cheddar cheese], [ham], and optional [chives], plus garlic powder and pepper if using. At this point, the dough already smells amazing.
Pour in the [buttermilk] and gently stir just until the dough comes together. Don’t overmix, tender cookies love a gentle touch.
Drop spoonfuls of dough onto your prepared baking sheet, or pat and cut with a biscuit cutter. Olivia likes to make some big and some “snack-size.”
Bake for 12–15 minutes, until the tops are golden and the edges are crisp. You’ll know they’re ready when the cheese bubbles and the kitchen smells like heaven.
Let cool for 5 minutes, then serve warm. These never last long in our house, especially when served with butter or honey.