Caramel Cream Cheese Swirl Muffins

Featured in: Quick Sweet Options

These moist banana muffins feature a stunning marbled pattern created by swirling creamy caramel cream cheese filling throughout the batter. The combination of ripe bananas, warm cinnamon, and sweet caramel creates a perfectly balanced treat that works equally well for breakfast or dessert.

Preparation comes together in just 20 minutes with simple ingredients you likely have on hand. The cream cheese swirl adds a rich, tangy contrast to the sweet banana base while the caramel provides deep, buttery notes throughout each tender crumb.

Updated on Mon, 09 Feb 2026 03:55:44 GMT
Freshly baked Caramel Cream Cheese Swirl Muffins featuring a moist banana bread base with gooey, melted caramel drizzle. Save
Freshly baked Caramel Cream Cheese Swirl Muffins featuring a moist banana bread base with gooey, melted caramel drizzle. | tirrakitchen.com

These Caramel Cream Cheese Swirl Muffins are the ultimate indulgence for banana bread lovers. Imagine a moist, tender banana muffin base marbled with a luscious, velvety cream cheese filling and a rich caramel swirl. Perfect for a decadent breakfast or a sweet afternoon snack, these muffins offer a bakery-style experience right in your own kitchen.

Freshly baked Caramel Cream Cheese Swirl Muffins featuring a moist banana bread base with gooey, melted caramel drizzle. Save
Freshly baked Caramel Cream Cheese Swirl Muffins featuring a moist banana bread base with gooey, melted caramel drizzle. | tirrakitchen.com

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Making these muffins is surprisingly simple, yet the result is impressive. The contrast between the spiced banana batter and the tangy, sweet caramel cream cheese creates a flavor profile that is both comforting and sophisticated.

Ingredients

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  • For the Banana Muffin Batter
  • 1 ½ cups (190 g) all-purpose flour
  • 1 teaspoon baking soda
  • ½ teaspoon baking powder
  • ¼ teaspoon salt
  • ½ teaspoon ground cinnamon
  • ½ cup (100 g) granulated sugar
  • ¼ cup (50 g) light brown sugar, packed
  • ½ cup (115 g) unsalted butter, melted and cooled
  • 2 large eggs, at room temperature
  • 3 ripe bananas, mashed (about 1 cup/240 g)
  • 1 teaspoon pure vanilla extract
  • For the Caramel Cream Cheese Swirl
  • 8 oz (225 g) cream cheese, softened
  • ¼ cup (50 g) granulated sugar
  • 1 large egg yolk
  • 1 teaspoon pure vanilla extract
  • ¼ cup (60 ml) caramel sauce (store-bought or homemade), plus extra for drizzling

Instructions

Step 1
Preheat the oven to 350°F (175°C). Line a 12-cup muffin tin with paper liners or grease lightly.
Step 2
In a medium bowl, whisk together flour, baking soda, baking powder, salt, and cinnamon.
Step 3
In a large bowl, whisk granulated sugar, brown sugar, melted butter, eggs, mashed bananas, and vanilla extract until well combined.
Step 4
Fold dry ingredients into the wet mixture until just combined; do not overmix.
Step 5
For the caramel cream cheese swirl: In another bowl, beat cream cheese, sugar, egg yolk, and vanilla until smooth. Gently fold in caramel sauce.
Step 6
Fill each muffin cup about 2/3 full with banana batter. Add a heaping tablespoon of caramel cream cheese mixture on top of each. Swirl gently with a toothpick or knife for a marbled effect.
Step 7
Bake for 20–22 minutes, or until a toothpick inserted into the center comes out clean.
Step 8
Cool muffins in the tin for 5 minutes, then transfer to a wire rack. Drizzle with extra caramel sauce if desired. Serve warm or at room temperature.

Zusatztipps für die Zubereitung

For a homemade caramel sauce, melt ½ cup sugar in a saucepan, add 2 tbsp butter and ¼ cup cream, then stir until smooth. Ensure your cream cheese is completely softened to avoid lumps in your swirl.

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Varianten und Anpassungen

If you prefer a bit of crunch, fold in some chopped toasted pecans or walnuts to the banana batter. You can also swap the caramel for salted caramel for a more complex flavor profile.

Serviervorschläge

Serve these muffins warm for the best texture. They can also be frozen for up to 2 months, making them an excellent make-ahead treat for busy mornings.

Golden brown Caramel Cream Cheese Swirl Muffins on a cooling rack, showcasing the rich, marbled cream cheese filling inside. Save
Golden brown Caramel Cream Cheese Swirl Muffins on a cooling rack, showcasing the rich, marbled cream cheese filling inside. | tirrakitchen.com

With their beautiful marbled tops and rich banana flavor, these Caramel Cream Cheese Swirl Muffins are a guaranteed crowd-pleaser. Whether shared at a brunch or enjoyed as a personal dessert, every bite is a delicious experience.

Recipe FAQs

How do I know when the muffins are done baking?

Insert a toothpick into the center of a muffin. If it comes out clean or with just a few moist crumbs, they're ready. The tops should spring back when lightly touched.

Can I use frozen bananas?

Yes, frozen bananas work perfectly. Thaw them completely and drain any excess liquid before mashing. They actually add extra moisture to the batter.

How should I store these muffins?

Store in an airtight container at room temperature for up to 3 days, or refrigerate for up to a week. They also freeze beautifully for 2 months.

What if I don't have caramel sauce?

You can make a quick caramel by melting ½ cup sugar in a saucepan until amber, then adding 2 tablespoons butter and ¼ cup cream. Stir until smooth.

Can I make these into full-sized loaves?

Yes, this batter makes 2 standard loaf pans. Increase baking time to 45-55 minutes and tent with foil if the top browns too quickly.

Why did my swirl sink to the bottom?

The cream cheese mixture is denser than the batter. To prevent sinking, don't overfill the cups and swirl gently rather than mixing thoroughly.

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Caramel Cream Cheese Swirl Muffins

Banana muffins marbled with luscious caramel cream cheese for a decadent snack-sized delight.

Prep Time
20 minutes
Cook Time
22 minutes
Total Duration
42 minutes
Created by Lily Crawford


Skill Level Medium

Cuisine American

Makes 12 Number of Servings

Diet Preferences Vegetarian

What You'll Need

Banana Muffin Batter

01 1½ cups all-purpose flour
02 1 teaspoon baking soda
03 ½ teaspoon baking powder
04 ¼ teaspoon salt
05 ½ teaspoon ground cinnamon
06 ½ cup granulated sugar
07 ¼ cup light brown sugar, packed
08 ½ cup unsalted butter, melted and cooled
09 2 large eggs, at room temperature
10 3 ripe bananas, mashed (approximately 1 cup)
11 1 teaspoon pure vanilla extract

Caramel Cream Cheese Swirl

01 8 oz cream cheese, softened
02 ¼ cup granulated sugar
03 1 large egg yolk
04 1 teaspoon pure vanilla extract
05 ¼ cup caramel sauce, plus extra for drizzling

How To

Step 01

Prepare muffin tin: Preheat oven to 350°F. Line a 12-cup muffin tin with paper liners or lightly grease with cooking spray.

Step 02

Combine dry ingredients: In a medium bowl, whisk together flour, baking soda, baking powder, salt, and cinnamon until evenly distributed.

Step 03

Mix wet ingredients: In a large bowl, whisk granulated sugar, brown sugar, melted butter, eggs, mashed bananas, and vanilla extract until thoroughly combined.

Step 04

Fold mixture together: Gently fold dry ingredients into the wet mixture until just combined, taking care not to overmix.

Step 05

Prepare cream cheese swirl: In a separate bowl, beat softened cream cheese, sugar, egg yolk, and vanilla until smooth. Gently fold in caramel sauce until incorporated.

Step 06

Fill muffin cups: Distribute banana batter evenly among muffin cups, filling each approximately two-thirds full. Top each with a heaping tablespoon of caramel cream cheese mixture. Gently swirl with a toothpick or knife to create a marbled effect.

Step 07

Bake muffins: Bake for 20 to 22 minutes, or until a toothpick inserted into the center of a muffin comes out clean.

Step 08

Cool and serve: Allow muffins to cool in the tin for 5 minutes, then transfer to a wire rack. Drizzle with additional caramel sauce if desired. Serve warm or at room temperature.

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Tools Needed

  • 12-cup muffin tin
  • Paper muffin liners or cooking spray
  • Mixing bowls (medium and large)
  • Electric mixer or whisk
  • Measuring cups and spoons
  • Toothpick or skewer
  • Wire cooling rack

Allergy Info

Be sure to check all items for allergens. When unsure, seek medical guidance.
  • Contains eggs
  • Contains dairy (butter, cream cheese)
  • Contains wheat (gluten)
  • May contain tree nuts if optional ingredients are added

Nutrition Info (per portion)

Nutrition data is just for reference and isn't meant to replace a healthcare professional.
  • Calories: 260
  • Fats: 12 grams
  • Carbohydrates: 34 grams
  • Proteins: 4 grams

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