Preheat your waffle maker according to the manufacturer's instructions. Lightly grease it with cooking spray or oil.
In a mixing bowl, combine the shredded cheddar cheese, almond flour, eggs, baking powder, garlic powder, and salt. Mix until well combined.
Fold in the diced ham, cream cheese, and black pepper until evenly distributed.
Pour half of the batter into the preheated waffle maker, close the lid, and cook for about 3-5 minutes or until golden brown and crispy.
Carefully remove the chaffle and repeat with the remaining batter.
Serve warm, optionally topped with additional cheese or your favorite dipping sauce.