Caramel Cream Cheese Swirl Muffins (Print Version)

Moist banana muffins marbled with luscious caramel cream cheese, creating a decadent treat perfect for breakfast or dessert.

# Ingredient List:

→ 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

12 - 8 ounces cream cheese, softened
13 - ¼ cup granulated sugar
14 - 1 large egg yolk
15 - 1 teaspoon pure vanilla extract
16 - ¼ cup caramel sauce, plus extra for drizzling

# How-To Steps:

01 - Preheat oven to 350°F. Line a 12-cup muffin tin with paper liners or apply cooking spray for even browning.
02 - In a medium mixing bowl, whisk together flour, baking soda, baking powder, salt, and cinnamon until evenly distributed.
03 - In a large mixing bowl, whisk granulated sugar, brown sugar, melted butter, eggs, mashed bananas, and vanilla extract until thoroughly combined.
04 - Fold dry mixture into wet mixture using a spatula until just combined; avoid overmixing to maintain muffin texture.
05 - In a separate bowl, beat softened cream cheese, sugar, egg yolk, and vanilla extract until smooth. Gently fold in caramel sauce until swirled throughout.
06 - Distribute banana batter to fill each muffin cup approximately two-thirds full. Top with one heaping tablespoon of caramel cream cheese mixture. Swirl gently with a toothpick or knife to create marbled effect.
07 - Bake for 20 to 22 minutes until a toothpick inserted in the center emerges clean. Do not overbake.
08 - Allow muffins to cool in tin for 5 minutes, then transfer to wire rack. Drizzle with additional caramel sauce if desired. Serve warm or at room temperature.

# Helpful Tips:

01 -
  • Perfect balance of banana bread flavor with rich cream cheese swirls
  • The caramel adds a complex sweetness that elevates these muffins beyond ordinary
  • Impressive enough for guests but simple enough for weekday baking
  • Versatile as both a breakfast treat or afternoon snack
  • Freezer-friendly for make-ahead convenience
02 -
  • The riper your bananas, the more flavorful your muffins will be - those with brown spots are perfect
  • Bring cream cheese to room temperature for at least 30 minutes for the smoothest swirl mixture
  • Don't overmix the banana batter or your muffins will be tough instead of tender
  • For homemade caramel sauce, melt ½ cup sugar in a saucepan, then add 2 tbsp butter and ¼ cup cream, stirring until smooth
  • These muffins freeze beautifully for up to 2 months - wrap individually and thaw overnight in the refrigerator
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