Who doesn’t love a good cupcake? The soft, moist cake paired with a creamy, tangy filling and topped with a fluffy frosting—it’s a dessert that always hits the spot. If you’re someone who enjoys the flavor combination of bananas and cream cheese, these Banana Cream Cheese Cupcakes will quickly become your go-to recipe. The natural sweetness of ripe bananas combines perfectly with the tangy richness of cream cheese, and when topped with a light, airy frosting, these cupcakes are sure to impress both your taste buds and your friends.

Banana Cream Cheese Cupcakes – Easy, Moist & Delicious
Craving a banana dessert with a creamy twist? These Banana Cream Cheese Cupcakes are just the treat you need. With the natural sweetness of ripe bananas and the tangy richness of cream cheese, these cupcakes are simple to make and guaranteed to impress. Perfect for beginners, this recipe offers a fun and easy way to create a mouthwatering dessert that everyone will love!
- Prep Time: 15 minutes
- Cook Time: 20 minutes
- Total Time: 35 minutes
- Yield: 12 cupcakes 1x
- Category: Dessert, Cupcakes
- Method: Baking
- Cuisine: American
- Diet: Vegetarian
Ingredients
Cupcake Ingredients:
- 1 1/2 cups all-purpose flour
- 1 tsp baking powder
- 1/2 tsp baking soda
- 1/4 tsp salt
- 1/2 cup unsalted butter, softened
- 3/4 cup granulated sugar
- 2 large eggs
- 1 tsp vanilla extract
- 1/2 cup sour cream
- 2 ripe bananas, mashed
Cream Cheese Filling:
- 1/2 cup cream cheese, softened
- 1/4 cup powdered sugar
- 1 tsp vanilla extract
Frosting:
- 1/2 cup unsalted butter, softened
- 1 1/2 cups powdered sugar
- 1 tsp vanilla extract
- 1/4 cup heavy cream
Garnishes:
- Banana slices (for topping)
- A pinch of cinnamon (for sprinkling)
Instructions
1. Preheat the Oven and Prepare the Muffin Tin
Start by preheating your oven to 350°F (175°C). This is the ideal temperature for baking these cupcakes to perfection. As your oven is heating, line a 12-cup muffin tin with paper liners. This will prevent the cupcakes from sticking to the pan and makes cleanup much easier. If you don’t have paper liners, you can lightly grease the muffin tin with cooking spray or butter.
2. Mix Dry Ingredients
In a medium-sized bowl, whisk together the dry ingredients: flour, baking powder, baking soda, and salt. Whisking the dry ingredients before adding them to the wet ingredients helps ensure that the baking powder and baking soda are evenly distributed, which will make your cupcakes rise beautifully. Set this bowl aside as you move on to the next step.
3. Cream Butter and Sugar
In a large mixing bowl, cream together the softened butter and granulated sugar. Use a hand mixer or stand mixer to beat them together until the mixture becomes light and fluffy. This step is crucial because it helps incorporate air into the batter, which gives the cupcakes their light, soft texture. You’ll know the butter and sugar are properly creamed when the mixture is pale and slightly increased in volume.
4. Add Eggs and Bananas
Add the eggs one at a time, mixing well after each addition. Be sure to beat the eggs in thoroughly so that they are fully incorporated into the batter. Next, stir in the vanilla extract and mashed bananas. Bananas add natural sweetness and moisture to the cupcakes, so make sure you mash them well. If you’re unsure about the ripeness of your bananas, look for ones with dark spots on the skin, as they are the sweetest and easiest to mash.
5. Combine Wet and Dry Ingredients
Now, it’s time to add the dry ingredients to the wet ingredients. Do this gradually, alternating between adding the dry ingredients and sour cream. Begin and end with the dry ingredients, mixing gently until everything is combined. Be careful not to overmix the batter, as this can lead to dense cupcakes. The batter should be smooth but slightly thick.
6. Fill the Muffin Cups
Evenly distribute the batter into the 12 muffin cups, filling each cup about two-thirds full. This allows room for the cupcakes to rise without overflowing. If you have extra batter, you can divide it evenly between the cups, but don’t fill them all the way to the top.
7. Bake the Cupcakes
Bake the cupcakes for 18-20 minutes, or until a toothpick inserted into the center of a cupcake comes out clean. Every oven is different, so start checking them around the 18-minute mark to ensure they don’t overbake. Once they’re done, remove them from the oven and let them cool in the tin for about 5 minutes. After that, transfer the cupcakes to a wire rack to cool completely.
8. Prepare the Cream Cheese Filling
While the cupcakes are cooling, make the cream cheese filling. In a small bowl, beat the softened cream cheese, powdered sugar, and vanilla extract until smooth and creamy. This filling will add a delicious, tangy surprise in the center of each cupcake, balancing out the sweetness of the banana and frosting.
9. Fill the Cupcakes
Once the cupcakes have cooled completely, use a small knife or cupcake corer to create a hole in the center of each cupcake. Be sure not to cut all the way through the bottom. Fill each hole with a generous amount of the cream cheese filling. Don’t skimp on this part—more filling means more deliciousness!
10. Prepare the Frosting
For the frosting, beat the softened butter until it becomes creamy and smooth. Gradually add the powdered sugar, vanilla extract, and heavy cream, mixing until the frosting is light and fluffy. The frosting should have a smooth, spreadable consistency. If it’s too thick, add a bit more cream; if it’s too thin, add more powdered sugar until it reaches the right consistency.
11. Frost the Cupcakes
Once the cupcakes are filled with the cream cheese mixture, it’s time to frost them! Pipe or spread the frosting generously onto each cupcake. You can use a simple round tip for piping or just spread the frosting with a spatula. For an extra special touch, top each cupcake with a slice of banana and a sprinkle of cinnamon.
Notes
- Banana ripeness: Overripe bananas are the best for baking. They are sweet and easy to mash. If your bananas are not quite ripe, let them sit for a couple of days to soften up.
- Cream cheese filling consistency: If the cream cheese filling is too thick to pipe, add a little milk to loosen it up. If it’s too thin, add a bit more powdered sugar.
- Don’t overmix: When combining the wet and dry ingredients, mix gently. Overmixing the batter can lead to dense cupcakes.
- Storage: These cupcakes stay fresh for up to 3 days when stored in an airtight container in the fridge due to the cream cheese filling. They can also be frozen (before frosting) for up to 3 months.
Baking cupcakes may seem intimidating at first, but I assure you, these Banana Cream Cheese Cupcakes are perfect for beginners. With just a few simple ingredients, a few basic kitchen tools, and easy-to-follow steps, you’ll be baking like a pro in no time. Whether you’re looking for a dessert to share with friends, family, or colleagues, or you just want to indulge in something delicious for yourself, this recipe has you covered. Now, let’s dive in and learn how to make these irresistible cupcakes!
Why This Recipe is Perfect for Beginners
If you’re new to baking or simply looking for a recipe that won’t overwhelm you, these Banana Cream Cheese Cupcakes are a great choice. Not only are the ingredients easy to find, but the recipe is also straightforward and beginner-friendly. There’s no need for advanced baking techniques or fancy tools—just a few bowls, a whisk, and a cupcake tin, and you’re good to go!
What makes this recipe stand out is its simplicity. You don’t need to be a master baker to create these moist, flavorful cupcakes. All you have to do is follow the steps, and you’ll have a batch of sweet, fluffy cupcakes with a creamy filling in no time. Plus, the cupcakes come together fairly quickly, so even if you’re short on time, you can still enjoy a homemade treat without hours of prep.
These cupcakes are also a great option for anyone looking to create a healthier dessert. While they’re still sweet and indulgent, bananas are rich in vitamins, fiber, and potassium, making them a nutritious addition to the recipe. When you combine the bananas with the creamy filling and light frosting, you get the perfect balance of flavors and textures that everyone will love.
Ingredients and Preparation
Before you dive into baking, make sure you have all the ingredients ready to go. It’s important to measure everything accurately and set up your kitchen workspace so that you can move through the steps smoothly.
Cupcake Ingredients:
- 1 1/2 cups all-purpose flour
- 1 tsp baking powder
- 1/2 tsp baking soda
- 1/4 tsp salt
- 1/2 cup unsalted butter, softened
- 3/4 cup granulated sugar
- 2 large eggs
- 1 tsp vanilla extract
- 1/2 cup sour cream
- 2 ripe bananas, mashed
Cream Cheese Filling:
- 1/2 cup cream cheese, softened
- 1/4 cup powdered sugar
- 1 tsp vanilla extract
Frosting:
- 1/2 cup unsalted butter, softened
- 1 1/2 cups powdered sugar
- 1 tsp vanilla extract
- 1/4 cup heavy cream
Garnishes:
- Banana slices (for topping)
- A pinch of cinnamon (for sprinkling)
Ingredient Substitutions:
- Butter: You can swap the unsalted butter for margarine if you prefer, although butter tends to give a richer flavor and a fluffier texture to baked goods.
- Sour cream: Plain yogurt is a great alternative to sour cream. It adds similar moisture and tang to the cupcakes.
- Bananas: Make sure your bananas are ripe! Overripe bananas are the sweetest and easiest to mash, making them perfect for this recipe. If you don’t have fresh bananas, you can use store-bought banana puree.
- Cream Cheese: If you’re looking for a lighter version, you can substitute low-fat cream cheese. While it may not be quite as creamy as regular cream cheese, it still works well in the filling.
- Heavy Cream: If you don’t have heavy cream on hand, you can use milk, though your frosting won’t be as thick and creamy.
Step-by-Step Instructions
Now that you have all the ingredients ready, let’s jump into the step-by-step process. Each step is easy to follow, making this recipe perfect for beginner bakers. Take your time, follow the instructions, and enjoy the process!
1. Preheat the Oven and Prepare the Muffin Tin
Start by preheating your oven to 350°F (175°C). This is the ideal temperature for baking these cupcakes to perfection. As your oven is heating, line a 12-cup muffin tin with paper liners. This will prevent the cupcakes from sticking to the pan and makes cleanup much easier. If you don’t have paper liners, you can lightly grease the muffin tin with cooking spray or butter.
2. Mix Dry Ingredients
In a medium-sized bowl, whisk together the dry ingredients: flour, baking powder, baking soda, and salt. Whisking the dry ingredients before adding them to the wet ingredients helps ensure that the baking powder and baking soda are evenly distributed, which will make your cupcakes rise beautifully. Set this bowl aside as you move on to the next step.
3. Cream Butter and Sugar
In a large mixing bowl, cream together the softened butter and granulated sugar. Use a hand mixer or stand mixer to beat them together until the mixture becomes light and fluffy. This step is crucial because it helps incorporate air into the batter, which gives the cupcakes their light, soft texture. You’ll know the butter and sugar are properly creamed when the mixture is pale and slightly increased in volume.
4. Add Eggs and Bananas
Add the eggs one at a time, mixing well after each addition. Be sure to beat the eggs in thoroughly so that they are fully incorporated into the batter. Next, stir in the vanilla extract and mashed bananas. Bananas add natural sweetness and moisture to the cupcakes, so make sure you mash them well. If you’re unsure about the ripeness of your bananas, look for ones with dark spots on the skin, as they are the sweetest and easiest to mash.
5. Combine Wet and Dry Ingredients
Now, it’s time to add the dry ingredients to the wet ingredients. Do this gradually, alternating between adding the dry ingredients and sour cream. Begin and end with the dry ingredients, mixing gently until everything is combined. Be careful not to overmix the batter, as this can lead to dense cupcakes. The batter should be smooth but slightly thick.
6. Fill the Muffin Cups
Evenly distribute the batter into the 12 muffin cups, filling each cup about two-thirds full. This allows room for the cupcakes to rise without overflowing. If you have extra batter, you can divide it evenly between the cups, but don’t fill them all the way to the top.
7. Bake the Cupcakes
Bake the cupcakes for 18-20 minutes, or until a toothpick inserted into the center of a cupcake comes out clean. Every oven is different, so start checking them around the 18-minute mark to ensure they don’t overbake. Once they’re done, remove them from the oven and let them cool in the tin for about 5 minutes. After that, transfer the cupcakes to a wire rack to cool completely.
8. Prepare the Cream Cheese Filling
While the cupcakes are cooling, make the cream cheese filling. In a small bowl, beat the softened cream cheese, powdered sugar, and vanilla extract until smooth and creamy. This filling will add a delicious, tangy surprise in the center of each cupcake, balancing out the sweetness of the banana and frosting.
9. Fill the Cupcakes
Once the cupcakes have cooled completely, use a small knife or cupcake corer to create a hole in the center of each cupcake. Be sure not to cut all the way through the bottom. Fill each hole with a generous amount of the cream cheese filling. Don’t skimp on this part—more filling means more deliciousness!
10. Prepare the Frosting
For the frosting, beat the softened butter until it becomes creamy and smooth. Gradually add the powdered sugar, vanilla extract, and heavy cream, mixing until the frosting is light and fluffy. The frosting should have a smooth, spreadable consistency. If it’s too thick, add a bit more cream; if it’s too thin, add more powdered sugar until it reaches the right consistency.
11. Frost the Cupcakes
Once the cupcakes are filled with the cream cheese mixture, it’s time to frost them! Pipe or spread the frosting generously onto each cupcake. You can use a simple round tip for piping or just spread the frosting with a spatula. For an extra special touch, top each cupcake with a slice of banana and a sprinkle of cinnamon.
Beginner Tips and Notes
Baking can be intimidating for beginners, but with these tips, you’ll be a pro in no time:
- Banana ripeness: Overripe bananas are the best for baking. They are sweet and easy to mash. If your bananas are not quite ripe, let them sit for a couple of days to soften up.
- Cream cheese filling consistency: If the cream cheese filling is too thick to pipe, add a little milk to loosen it up. If it’s too thin, add a bit more powdered sugar.
- Don’t overmix: When combining the wet and dry ingredients, mix gently. Overmixing the batter can lead to dense cupcakes.
- Storage: These cupcakes stay fresh for up to 3 days when stored in an airtight container in the fridge due to the cream cheese filling. They can also be frozen (before frosting) for up to 3 months.
Serving Suggestions
While these cupcakes are amazing on their own, you can elevate them with a few creative serving ideas:
- Serve with a scoop of ice cream: Pair these cupcakes with vanilla or caramel ice cream for a decadent dessert.
- Enjoy with coffee or tea: The subtle banana flavor and creamy filling go wonderfully with a hot cup of coffee or tea.
- Fruit pairing: Serve these cupcakes alongside fresh fruit, such as berries or a fruit salad, for a refreshing contrast to the rich cupcakes.
Storage Tips for Leftovers
If you have any leftover cupcakes (although that’s unlikely!), store them in an airtight container in the refrigerator for up to 3 days. Due to the cream cheese filling, they need to be kept cool. If you want to freeze them, freeze the cupcakes before frosting them. Wrap them tightly in plastic wrap and place them in a freezer bag. To enjoy them again, just thaw them at room temperature and add the frosting before serving.

Conclusion
These Banana Cream Cheese Cupcakes are a delicious and fun treat that’s perfect for beginner bakers. They’re moist, flavorful, and filled with a creamy surprise that will leave everyone asking for seconds. Whether you’re baking for a special occasion or just treating yourself to something sweet, this recipe is sure to become a favorite. So go ahead and give it a try—you won’t be disappointed!