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Enjoy the perfect combo of ripe bananas and cinnamon creamy goodness with these Banana Cream Cheese Muffins. Moist, fluffy, and filled with a rich cream cheese center, they’re the ultimate treat to level up your breakfast or snack time!

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Below you will find tips, tricks and helpful hints for making this recipe including step by step instructions with pictures. If you would like to go directly to the recipe, scroll down to the recipe card or tap “Jump to Recipe” at the top of the page.

Why You’ll Love These Banana Cream Muffins

If you’re a fan of banana bread and love a little extra indulgence, these Banana Cream Muffins are going to be your new favorite! They have all the comforting flavors of classic banana muffins but with a delicious surprise—a sweet cream cheese filling that adds a creamy, tangy twist in every bite.

Perfect for breakfast, a snack, or even dessert, these muffins are super easy to make and guaranteed to impress anyone who tries them. Once you take a bite, you’ll see why they’re such a hit!

If you love muffins, be sure to try these other muffin recipes: Cinnamon Swirl Banana Bread Muffins, Peanut Butter Chocolate Chip Banana Muffins, Strawberry Muffins, and Starbucks Pumpkin Cream Cheese Muffins.

Banana Cream Muffins Ingredients

*Ingredient amounts are located in the recipe card at the end of this post.

• All-Purpose Flour: The best flour to use in this recipe is all-purpose flour. You can use whole wheat flour, but the muffins will be dense.
• Sugar: I like to use granulated white sugar in this recipe, but you could also use brown sugar.
• Baking Powder: This is what is going to make your muffins nice and fluffy.
• Eggs: The eggs help to bind everything together and make the muffins nice and moist.
• Mashed Bananas: You’re going to want to use 2 ripe bananas for this recipe. If they’re not ripe, see the tips above on how to ripen them quickly.
• Melted Butter: I like to use unsalted butter, but you can use whatever you have on hand.
• Milk: I use whole milk in this recipe, but you can use any type of milk.
• Sour Cream: The sour cream helps to make the muffins nice and moist.
• Vanilla Extract: This is for flavor. I like to buy pure vanilla extract from Costco, but you can also get it at your local grocery store.
• Softened cream cheese: You’re going to want to use full-fat cream cheese for this recipe.
• Cinnamon: This is for flavor. You could also add a little nutmeg or cloves if you’d like.

How to Make Banana Cream Muffins

[Step 1] Muffin Batter: Whisk together the flour, sugar, and baking powder to a large bowl.

[Step 2] In a separate mixing bowl, combine the eggs, mashed bananas, melted butter, milk, sour cream, and vanilla extract. Stir the wet ingredients into the flour mixture until moistened. Do not over mix.

[Step 3] Cream Cheese Filling: In a medium bowl or food processor, combine the softened cream cheese, sugar, and cinnamon with a hand mixer or with a spoon. Set aside.

[Step 4] Place a paper muffin liner in each cup of a muffin pan and add 2 tablespoons of batter to each cup. (I use a 2 tablespoon cookie scoop). Add about one tablespoon of cinnamon cream cheese to the center of the batter. Add 2 more tablespoons of batter to the top of the muffins.

[Step 5] Bake muffins at 400 degrees for 18-22 minutes or until a toothpick comes out clean. Let the muffins cool in the pan on a wire rack for 5 minutes before serving.

Helpful Kitchen Tools

• Mixing Bowls
• Whisk
• Food Processor
• Muffin Cups 
• Muffin Tin
• Cooling Rack
• Rubber Spatula
• Measuring Cups

How to Store Leftover Cream Cheese Banana Muffins

To keep your leftover muffins fresh, store them in an airtight container at room temperature for up to 3 days. If you want to keep them longer, pop them in the fridge for up to a week. For even more extended storage, freeze them in a zip-top bag for up to 3 months.

When you’re ready to enjoy, reheat them in the microwave for about 15-20 seconds to get that freshly-baked warmth and softness back. If frozen, let them thaw for a few hours before reheating.

Banana Muffin Add-In Ideas

• Mini Chocolate Chips or Chocolate Chunks
• Cinnamon/Sugar
• Raisins
• Cranberries
• Walnuts
• Pecans

Banana Muffins with only 2 Bananas!

Most banana muffin recipes call for 3-4 bananas, but sometimes you only have 2 bananas. What can you do? Make these moist Banana Muffins with just 2 bananas! They’re moist and packed with banana flavor, with a creamy cinnamon cente

How to Ripen Bananas for Banana Muffins

To make banana muffins, you’re going to want to make sure that they are ripe. You can tell they are ripe when they are starting to get brown spots on them and they are soft to the touch. Ripe bananas are going to give your muffins the best flavor. If you don’t have ripe bananas, there are a few ways that you can ripen them quickly.

• The first way is to place the bananas on a baking sheet and bake them at 300 degrees for about 15-20 minutes.
• Another way is to place the bananas in a brown paper bag with an apple or tomato. The ethylene gas that the apple or tomato emits will help to ripen the bananas.
• The last way is to place the bananas in a bowl and microwave them for about 30 seconds.

Cream Cheese Banana Bread Instructions

1. Pour half of the batter into a 9.5 inch x 5 inch loaf pan
2. Place dollops of cream cheese filling over the batter and use a knife to swirl
3. Cover with the remaining batter and bake at 350 degrees for 60-65 minutes

Frequently Asked Questions

• How many muffins will this recipe make? This easy recipe will make 12 standard size muffins.
• How many bananas make a cup? There are 3 medium bananas in 1 cup
• Can Oil Be Used Instead of Butter? You can definitely use oil instead of butter. Good substitutes would be vegetable oil, canola oil, or corn oil.
• Can Almond Milk Be Used Instead of Milk? Yes! I use almond milk in this recipe all of the time and they come out delicious every time!

More Banana Recipes:

• Sour Cream Banana Bread
• Cake Mix Banana Bread Recipe
• Pancake Mix Banana Pancakes
• Peanut Butter Chocolate Chip Banana French Toast Bake
• Banana Bread Pudding with Vanilla Sauce

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