Banana Cream Cheese Muffins

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Moist Banana Cream Cheese Muffins are topped with sweet cream cheese that melts into the tops of the muffins as they bake. Bonus: they only take 30 minutes!

If you love banana muffins, this cream cheese swirl version takes them to a whole new level. 

We start with a super moist banana muffin loaded with fresh bananas and crunchy pecans. 

 Before baking, we swirl the tops of the muffins with a sweetened vanilla cream cheese. 

The cream cheese melts into the tops of the muffins as they bake and creates a spectacular breakfast treat.

It is almost like a self frosting cupcake…except you eat it for breakfast and call it a muffin!

Banana Cream Cheese Muffins in a bowl with a bite taken out of one.

Swirl Muffins

This is not the first time I have created a swirl muffin. In fact, I have three other versions!

The most famous being the Pumpkin Cream Cheese Swirl Muffins. They are THE most visited recipe for September and October every year on my site. 

But I also have two fun Nutella versions as well: Nutella Banana Swirl Muffins and Pumpkin Nutella Swirl Muffins

I just love a muffin topped with something sweet! 

Banana Cream Cheese Muffins before going into the oven.

Swirl Technique

It’s a lot easier than you think! No need for anything fancy, just a toothpick and a spoon.

I drop a tablespoon of the sweet cream cheese mixture into the center of an unbaked muffin with a spoon.

Then, using a toothpick, I swirl the cream cheese towards the edges as best I can.

You don’t need to be perfect, you just want to swirl it a little as best you can. 

If the cream cheese mixture isn’t swirling for you, you can add 1 tablespoon of milk to smooth it out a little.

If you need additional help, watch the video in this post for a great visual example!

Banana Cream Cheese Muffins in a muffin tin.

Pecans? Walnuts? Neither?

This is SUCH a personal thing! And there is no wrong answer!

I know some of you love nuts in your banana muffins and some of you hate nuts in your muffins.

I am with all of you! Some days I want to add a big handful of them and sometimes I don’t want nuts anywhere near my muffins.

For these banana muffins, I recommend pecans or walnuts if you are going to use nuts.

However, they truly are absolutely delicious without any nuts at all. So feel confident in whatever way you choose to go! ;-)

Banana Cream Cheese Muffins on a plate.

Just like all my swirl muffins, I know you and your family are going to love these Banana Cream Cheese Muffins! 

They are exceptionally moist, full of banana flavor and have a perfectly sweet cream cheese swirl on top.

Please leave your review of the recipe in the comment below after you make them! I love to hear what you think!

Head on over to Dixie Crystals for the full recipe I developed for them!

RECIPE: Banana Cream Cheese Muffins

This post may contain affiliate links. Read my disclosure policy.

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21 Responses
    1. A woman holding a camera standing in front of some shelves.

      Yes, I store them in the fridge! Some people love them cold, but you can also let them sit at room temperature for an hour before serving if you prefer them room temperature.

  1. Blueberry Cream Cheese Muffins – Recipes For Your Granny

    […] you love these Blueberry Cream Cheese Muffins, I bet you will love these Banana Cream Cheese Muffins and Pumpkin Cream Cheese Swirl Muffins as […]

  2. Sherri

    I’ve made the Pumpkin Cream cheese muffins twice in the last week, they are SO yummy! I am going to make the Banana Cream Cheese tomorrow. Thank you for the recipe!

  3. Shey

    Hello! This looks so yummy! Do you happen to know how many calories and carbs are in each muffin? Thanks so much!

    1. A woman holding a camera standing in front of some shelves.

      Hi Shey! I’m sorry, for this one I do not since it’s hosted on Dixie Crystals site. I apologize, all my regular recipes will have nutrition automatically calculated by a recipe nutrition program I pay for, but this one is sadly not. I am no longer allowing my recipes on other sites, so going forward you should never find a new recipe without the nutrition. I apologize for the inconvenience!

    1. A woman holding a camera standing in front of some shelves.

      The cream cheese tends not to freeze as perfect as we would hope, so I recommend trying to enjoy them fresh those first few days!

  4. Melissa

    Best tasting muffins. Had some well ripened banana’s to use up, glad I decided to use this recipe. Will happily make again.

    1. Juls


      I’m super excited to try this recipe!!

      Wanted to know if these can be made in a loaf pan instead of muffins? If so,what temp and how long should I bake?

      1. A woman holding a camera standing in front of some shelves.

        Hi Juls! Sure you can! I don’t have an exact bake time, but it will take quite a bit longer. I’d start checking in for it to be done around the 50 minute mark. However, you may need to cover the top half way through baking with foil — otherwise the cream cheese top may over cook and brown too much.


I'm a trial & error, self taught, sugar addict who thankfully learned how to survive in the kitchen! I am also a wife, mama of 3.