Preheat the oven to 400 F and line a baking sheet with parchment paper. Whisk the almond flour, coconut flour, baking powder, salt, and garlic powder in a large bowl.
Cut the cold cream cheese and cold butter into the dry mix with a fork until the mixture looks crumbly with small pea-sized bits.
Stir in the eggs, shredded cheddar, and heavy cream until a soft dough forms. Do not overmix or the biscuits will turn dense.
Scoop 8 mounds of dough onto the baking sheet and gently shape them into rough biscuit rounds about 1 inch thick.
Bake for 14 to 18 minutes until risen and golden on top. Cool for 5 minutes so the insides stay soft, flaky, and buttery.