Banana Muffins Filled with Cream Cheese? Yes We Can!

Cream Cheese Filled Banana Muffins

So I tried this experiment yesterday.

There have been a couple of extra ripe bananas staring me down for a couple of days.  I mean, it was getting ugly.  So last night I was forced to make an important decision: bake something or throw the poor things in the freezer where they would probably get lost for a very long time.

I chose to act!  I could have made some banana bread.  Everyone likes banana bread, right?  But lately, I’ve been in the mood for change.  I mean it seems like I’ve been making the same banana bread recipe for at least the last eight years…

Then it struck me!  Muffins!  I’ll make banana muffins!

But then I really thought about it.  Muffins might look different than banana bread, one might even say they come in a much cuter package than banana bread. But when it comes down to it, they’re still banana bread.  Not much change there, huh?

Luckily I had half a package of cream cheese left over from that Pumpkin Cream Cheese Spread I made earlier in the week.  Could I?  Should I?  I wrestled with the decision for a few minutes.  I knew in my heart that bananas and cream cheese were a good combination, but I had never actually tried putting a cream cheese filling in a muffin.  I’ve seen it done before. I’ve tasted good cream cheese-filled muffins.  But I was still worried.

It can be hard to try something for the first time.  Did I have enough experience?  What if I ruined the whole batch?

Oh, what the hell, I just did it!

And you know what?  They were a hit!  I even fed them to a couple of people known to have fairly conservative tastes.  And they loved the change so much, they might never go back to plain old banana bread again.

Cream Cheese Filled Banana Muffins

Cream Cheese Filled Banana Muffins

4 oz. cream cheese, softened
1/2 cup sugar
1 egg

muffin batter:
2 cups all-purpose flour
2 teaspoons baking powder
1/2 teaspoon baking soda
1/2 teaspoon salt
3/4 cup sugar
2 bananas, mashed
1/2 cup buttermilk
1/4 cup oil
2 eggs
2 teaspoons vanilla extract

1. Preheat oven to 375 degrees.  Grease a 12-cup standard muffin pan.
2. In a small bowl, beat together cream cheese, sugar, and egg. Put bowl in refrigerator while you make the muffin batter.
3. In a large bowl, whisk together flour, baking powder and soda, salt, and sugar; set aside.
4. In a medium bowl, whisk together bananas, buttermilk, oil, eggs, and vanilla.
5. Pour wet ingredients into the large bowl filled with flour mixture then stir with wooden spoon just until the mixture is combined.
6. Spoon enough batter into muffins cups so that they are just under halfway full.  Add one spoonful of cream cheese mixture into each cup, then top with remaining muffin batter.  Muffin cups will end up being almost completely full.
7. Bake for 20-25 minutes at 375 degrees.  Check after 20 minutes, muffins are done when a toothpick inserted into center comes out clean.
8. Enjoy!

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  1. TNC

    Oh wow – those look soo good! I have going to have to try that recipe this weekend.

    9:02 am  Oct 3rd, 2008
  2. Ruby

    I’m definitely ready for change, this muffin just might be the ticket! Cream cheese filled – that’s just a divine idea!

    9:06 am  Oct 3rd, 2008
  3. Ruth

    I too have aged bananas staring me down. Will definitely try that this weekend. I believe firmly that cream cheese improves a great many things.

    9:06 am  Oct 3rd, 2008
  4. RecipeGirl

    Works for me! They look quite delicious.

    I had some bananas staring me down yesterday… but it was too late. They were rank and nasty and had to be thrown out. Now I need to buy some more bananas to let ripen yet again…

    9:07 am  Oct 3rd, 2008
  5. aissa galoso

    how creative! those look delish.

    9:26 am  Oct 3rd, 2008
  6. Deborah

    Stuff cream cheese in anything and I’ll be a happy girl! I want one of these!

    9:32 am  Oct 3rd, 2008
  7. Nicole

    TNC: Hope you enjoy them!
    Ruby: Hahaha! Yep, I think they are the ticket 😉
    Ruth: Yep, I agree!
    RecipeGirl: These bananas were really on the verge of being too ripe. I saved them just in time!
    Aissa Galoso: Thanks!
    Deborah: I think it would be especially good in pumpkin muffins!

    9:41 am  Oct 3rd, 2008
  8. Nicole

    Every year for my birthday I request Banana Cake with Cream Cheese Frosting. These look so good!

    9:46 am  Oct 3rd, 2008
  9. kamaile

    Oooh…muffins with a cream cheese filling. Delicious! I’ll have to give these a try next time I have some bananas.

    9:49 am  Oct 3rd, 2008
  10. Kristen

    Yum – yum – yum!!! These look great!

    9:52 am  Oct 3rd, 2008
  11. Ben

    But what if there is one banana nobody has heard about claiming to be a maverick? Wouldn’t that ruin the whole banana and cream cheese experience? LOL I think your decision was the right one :-p

    9:56 am  Oct 3rd, 2008
  12. Emon

    The title had me smiling and it’s still on me. I don’t think I’ve read anything like this. If subtlety is a work of art, you have the…recipe!

    Excellent post, Nicole! 🙂

    10:07 am  Oct 3rd, 2008
  13. Abi Jones

    My name is Abi Jones and I approve of these muffins.

    10:11 am  Oct 3rd, 2008
  14. Nicole

    Nicole: Yum! I love banana cake and cream cheese frosting is always my favorite!
    Kamaile: The cream cheese filling would work great in other types of muffins, too!
    Kristen: Thanks!
    Ben: The great thing about our country is that we have the freedom to choose the bananas we like best!
    Emon: Glad you liked it!
    Abi Jones: Excellent! I haven’t been able to stop laughing since I read your comment 🙂

    10:23 am  Oct 3rd, 2008
  15. Alyce

    Yummmmmm!! I wish I had your creativity!

    10:54 am  Oct 3rd, 2008
  16. ms. janet

    mmmmm…it looks delicous!!!

    11:01 am  Oct 3rd, 2008
  17. Mrs. L

    Oh YUM! Seriously sound delicious and something I have to try.

    1:47 pm  Oct 3rd, 2008
  18. claudia (cook eat FRET)

    genius idea
    love it

    1:57 pm  Oct 3rd, 2008
  19. Jennifer

    I’ve been anxiously awaiting the verdict on these. Glad they turned out so well. Definitely going on my baking list.

    3:31 pm  Oct 3rd, 2008
  20. Anali

    Those look great! I just stared down an old banana today too, but it ended up cut up and in the freezer. I’ll get to some muffins eventually. : )

    5:05 pm  Oct 3rd, 2008
  21. Katie Ann

    Oh wow, I read the title and my jaw dropped, that sounds sooo good!

    7:45 pm  Oct 3rd, 2008
  22. Renne

    Wow, I love Banana and I love cream cheese. The combination sounds simply made! I think my boyfriend will sure love it. Thank you

    PS. I live in Thailand where Buttermilk is rarely found. Do you think yogurt and milk and be a replacement?

    7:10 am  Oct 4th, 2008
  23. sally


    They look delicious and a funny post. Glad you got the best of the bananna’s…they can be a tricky. I’m looking at a couple right now and giggling about their fate later today!


    7:13 am  Oct 4th, 2008
  24. Corinne

    These look sooooooooo good!

    8:36 am  Oct 4th, 2008
  25. kellypea

    I’ve been wanting to check these out after you twittered them yesterday. They turned out perfectly! Sound delish, too. Haven’t done banana anything lately. It’s about that time!

    1:47 pm  Oct 4th, 2008
  26. Erin

    You rock! Most of my kitchen experiments end up in the trash. I’m jealous that your breakfast treats turned out so perfectly. Now how about a pumpkin muffin filled with that spread you whipped up earlier this week? I’ll be your BFF 😉

    7:14 am  Oct 5th, 2008
  27. Juliet

    Fantastic idea! I always have some spotty old bananas on the counter, and regular banana bread gets so tiresome after a while. I’ll definitely give these a try!

    4:57 pm  Oct 5th, 2008
  28. Amy

    We tried these today – they were wonderful! After I read your pumpkin spice cream cheese recipe, I am thinking I may try some pumpkin muffins filled with cream cheese. Thanks for a great recipe.

    10:34 pm  Oct 5th, 2008
  29. Patricia Scarpin

    These are marvelous! I love baking with banana, Nic, and haven’t made muffins in years!

    7:46 am  Oct 6th, 2008
  30. Curt

    Two of my favorite things.. cream cheese and cream cheese! Ok, one, but I like it enough to mention it twice!

    These look and sound great. I bet the kitchen smelled gret while they were baking!

    2:59 pm  Oct 6th, 2008
  31. Kimberly

    Your recipe inspired me and I made a batch yesterday–they are wonderful! Thanks for sharing.

    8:51 pm  Oct 6th, 2008
  32. Maria

    What a nice surprise inside!

    7:49 am  Oct 7th, 2008
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  34. Jude

    Such a nice surprise inside once bitten. Thanks for the great idea.

    12:01 am  Oct 8th, 2008
  35. diva

    i love cheese too much. and i do things like put cream cheese in brownies tht strangely tends to put off the guys off my brownies. anyhow. i think these muffins are gorgeous and cream cheese in them is such an idea! beautiful! x

    1:51 am  Oct 8th, 2008
  36. Lisa (Homesick Texan)

    I have a couple of ripe bananas I was going to make pudding with, but I like your idea more!

    9:10 am  Oct 8th, 2008
  37. Katrina

    I always have ripe bananas on hand (on purpose) and just made muffins yesterday. Darn, which I would have seen this then. Will try next time! Sounds good!

    1:27 pm  Oct 9th, 2008
  38. Katie

    These look amazing. I have always wanted to try to figure out how to do this in the right way with the right amount of cream cheese.

    9:45 am  Oct 13th, 2008
  39. Anita

    Someone sent this recipe link to a friend of mine who was staying with me over the weekend–we tried it kind of spur of the moment, we even had to go buy some overly ripe bananas for this, but the muffins were wonderful.

    8:40 pm  Oct 20th, 2008
  40. Jessica

    OMG! I often spread cream cheese on banana bread and think it’s heavenly! I will definitely be trying this and I think you are a genious!
    ps – I use your banana shake recipe all the time and it is soooo yummy!

    4:10 am  Oct 21st, 2008
  41. CoSkay

    These look delicious! I will have to give them a try!

    5:35 pm  Oct 23rd, 2008
  42. lava23

    I just made these… I was afraid I did something wrong because I could not get the cream cheese mix to stop oozing out the sides of the muffin and around the outside of each cup when I was filling the pan… but they turned out just fine. I added some blueberries also. Somehow I got 11 muffins and one muffin cup full of cream cheese mix and blueberries – which was perfect for dessert after baking the muffins this evening 😉

    Fantastic idea on the muffins!

    7:05 pm  Nov 1st, 2008
  43. Hui Min

    I made these last week because I had tasted some cheesecake muffins at a bakery that had some lemon cream cheese filling. But I had some problems with the filling mixture being very watery even after chilling for 2 hours. When I tried to fill the muffins, the cheese mix spread all over, and after baking, the muffins didn’t look like they were filled. However, the muffins were very tender because the cream cheese sank into the muffin batter. The muffins still smelled and tasted amazing though! Do you think maybe leaving out the egg would make the cream cheese stay together better?

    1:09 pm  Nov 26th, 2008
  44. Liz

    Baking right now. After I read the comments, added only half the egg into the cream cheese mixture, still seems a bit loose, but will let you know. Crossing my fingers 🙂

    7:13 pm  Jan 19th, 2009
  45. Jeanette

    I’ve made these twice now, and I’m having the same problem as Hui Min. The cream cheese mixture is too loose, and when I plop the last bit of batter on top of it, it swallows the batter and oozes up around it to come to the top of the muffin pan. The muffins themselves are good, although they mine are rising more than what it looks like from in the picture. I’m going to try to add less baking powder if I make them again.

    Also, it would be nice if a size estimate was given on the bananas, or an approximate measurement once mashed. The bananas I buy tend to be on the small side, and the first batch wasn’t banana-y enough, so I added three this time.

    1:28 am  Feb 17th, 2009
  46. Chef Kadie

    I’m trying these tonight and testing it with ganache in the center and one batch with chocolate chips & cream cheese filled-all I have is marscapone cheese instead of cream cheese.
    They look great Nicole, I’ll let ya know how it goes!

    4:24 pm  Mar 16th, 2009
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  48. Lorie

    Hi Nicole. I just wanted to say that I’m a fan of your blog 🙂 I’ve been wanting to learn how to bake/cook for a long time and I was inspired by your website to just start doing it.

    And the muffins were great! hehehe – L

    1:37 pm  May 13th, 2009
  49. Sabrina

    Thank you for posting this! I have used this recipe twice now and just now almost freaked out because I had lost the url address. This time I’ll make sure I copy the recipe down. I do agree with another poster though, putting 1/2 the egg in with the cream cheese makes the in-the-muffin icing less runny. Then I just mixed the other 1/2 of the egg in with the batter.

    7:50 pm  May 26th, 2009
  50. Jen

    I’m not so happy with the change…miss my old recipe! But I have some fresh bananas waiting to ripen! YAY! Thanks for sharing anyway…sigh. 😉

    9:37 am  Feb 25th, 2010
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  52. Anjali

    Love the danish twist to these muffins!

    6:42 pm  Sep 19th, 2010
  53. Samantha

    Bookmarked! These look awesome. Can’t wait to try them out.

    6:26 pm  Sep 20th, 2010
  54. Nan

    Hi I just made these banana muffins and was disappointed when the cream cheese filling came out while baking. What do you think happened?

    Thank you

    1:58 pm  Sep 21st, 2010
  55. christine

    I made these the other day. Took them to my 80yr. old mom and 84yr. old dad. My brother was visiting. Everyone agreed, they are the best muffins we ever ate! I did reduce the cream cheese filling by almost half, because the first batch was far too overfull.

    10:36 am  Dec 22nd, 2010
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    2:46 am  Oct 6th, 2011
  58. Kelly

    Yum! I have a breakfast potluck coming up and thinking of making these with goat cheese in place of cream cheese. Thanks for the inspiration.

    1:29 pm  Nov 29th, 2011
  59. Leah

    made these tonight. they look delicious! i followed the recommendation of other posts and only added 1/2 egg into the cream cheese mixture. even after refrigerating, it was still pretty runny. spooned this into the muffin tins, and it just ran all over the muffin mix. muffins overflowed my tins, but all in all, they came out delicious. just wish the cream cheese filling wouldnt have been so runny. thank you for sharing!

    11:05 pm  Mar 30th, 2012
  60. Amy

    SOOOOOO good! I experienced the same issue everyone else seems to be having with the cream cheese filling, the muffins and the filling kinda swirled together and went everywhere. They tasted great though, nice and moist, my husband ate three in a row!

    7:34 pm  Apr 5th, 2012
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  62. Antonia

    Off to the kitchen…Banana and cream cheese, I can’t resist…

    2:01 am  Apr 13th, 2012
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  64. Stephanie

    These turned out amazing! I left out the egg altogether from the filling after reading some of the reviews. They taste great! Filling stayed inside the muffin…

    9:55 pm  Jul 27th, 2012
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  66. lydia

    cooking this as we speak, but did a square cake pan instead. Also added a little flour to the cream cheese mixture to make it more solid and less runny! hoping this comes out great.

    1:06 pm  Aug 6th, 2013
  67. Gramma

    Just made half batch with 1bannana and left over cream cheese filling. Perfect! Sprinkled confectioners suge on top to finish

    8:08 am  Sep 12th, 2013
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  69. Emily

    Yeahhhh soooo I didn’t realize I would have leftover cream cheese filling. I thought maybe my spoonfuls were just smaller than normal. lol Can anyone guess what my muffin pan looked like when the 20 minutes was up? Ahhh!!!! You might want to add this for the dummies like me. 🙂

    9:08 am  Dec 14th, 2015
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