The 52 year-old striker was arrested on suspicion of dealing the drug last month and released on bail.
Mr Dixon, of Dunstable, was charged on Wednesday with possession of a Class A drug.
Kim White, 46, of the same address, was charged with the same count and they were both bailed to appear at Luton Magistrates’ Court on 14 August.
Mr Dixon played for Southampton, Luton Town and Watford.
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He is Chelsea’s third-highest goalscorer of all time and won eight England caps.
He frequently appears on Chelsea’s own TV station as a pundit on a freelance basis.
He is also booked for regular appearances in matchday hospitality lounges, where he entertains guests with stories from the Eighties.