Preheat your oven to 350°F (175°C). Line a 9x13-inch baking dish with parchment paper, leaving some overhang for easy removal later.
Lay 18 Club crackers in a single layer on the bottom of the prepared baking dish.
In a medium saucepan over medium heat, combine the sweetened condensed milk, brown sugar, light corn syrup, and cubed butter. Stir constantly until the mixture is smooth and bubbling, about 5-7 minutes.
Pour the caramel over the layer of crackers, spreading it evenly with a spatula.
Top the caramel layer with another 18 Club crackers, pressing them down gently.
Bake for about 15-20 minutes until the caramel is bubbly and the crackers are slightly golden.
Melt the semi-sweet chocolate chips in a microwave-safe bowl, heating in 30-second intervals and stirring in between.
Once baked, remove the dish from the oven and pour the melted chocolate over the top layer of crackers, spreading it evenly.
Let the candy cool at room temperature for about 10 minutes, then transfer it to the refrigerator to set for at least 1 hour.
Once set, lift it out using the parchment paper overhang and cut into squares or bars.