Preheat your oven to 375°F (190°C).
In a medium bowl, whisk together the flour, baking powder, salt, pepper, and garlic powder.
Cut in the cold butter until the mixture resembles coarse crumbs.
Add the grated cheddar cheese and mix until evenly distributed.
In another bowl, whisk together the milk and eggs.
Pour the wet ingredients into the dry ingredients and stir until just combined.
Grease a 12-cup muffin tin and evenly distribute the batter.
Bake for about 20 minutes or until the tops are golden brown and a toothpick comes out clean.
Cool in the pan for 5 minutes, then transfer to a wire rack to cool slightly.