Banana Bread Recipe with Chocolate Chips and Cream Cheese recipe.
Featuring cream cheese and chocolate chips, this banana bread recipe is extra moist and delicious. The cream cheese enhances the moistness and flavor, while the addition of chocolate chips transforms it into a delightful indulgence.

Recipe updated: April 2nd, 2024

This amazing banana bread recipe with cream cheese and chocolate chips is a delight to eat, whether it has butter spread on top of it or not. It tastes so good in the morning, for an afternoon snack, or even as an after-dinner dessert.

The riper the bananas, the sweeter the banana bread. Ripe bananas are soft and also streaked with black color or black or brown spots. So don’t throw out your overripe bananas, try this easy banana bread recipe, or our double chocolate banana bread with cocoa powder instead. Also, if you want an extra treat added to your banana bread, try drizzling some powdered sugar icing on top, or spread some cream cheese frosting on the top of the banana bread.

A slice of banana bread with cream cheese and chocolate chips on a plate.

For this recipe, one loaf of banana bread will have white chocolate chips and dark chocolate chips in it, and the other loaf won’t. If you want white chocolate chips and dark chocolate chips in both loaf pans, you will need to double the amount in the ingredients list.

We did this to give us two different loaves of banana bread. However, this banana bread recipe tastes great without the chocolate chips too, so you don’t have to add any chocolate chips at all if you prefer not to.

🍴 Key Ingredients

  • 3 cups of all-purpose flour
  • 4 large bananas
  • 2 cups of granulated sugar – aka white sugar
  • 8 ounces of cream cheese
  • 3/4 cup butter (1 and 1/2 sticks)
  • 1/2 cup of dark chocolate chips (optional)
  • 1/2 cup of white chocolate chips (optional)
  • 2 eggs
  • 1/2 teaspoon of vanilla extract
  • 1/2 teaspoon of table salt
  • 1/2 teaspoon of baking powder
  • 1/2 teaspoon of baking soda
Ingredients for banana bread with cream cheese and chocolate chips.
Ingredients for banana bread with cream cheese and chocolate chips.

👩‍🍳 How to Make Banana Bread with Cream Cheese and Chocolate Chips

These step-by-step instructions are accompanied by detailed photos for enhanced clarity and guidance.

Step 1. Preheat the Oven

Turn the oven to 350 degrees Fahrenheit.

Step 2. Prepare the Butter

Cut up one and a half sticks (or 3/4 of a measuring cup) of butter and place it in a small bowl that is safe for the microwave.

Sliced butter in a bowl.
Sliced butter in a bowl.

Step 3. Microwave the Butter

Then, soften the butter by melting it in the microwave for 20 seconds. If you prefer, you can set the butter on the countertop at room temperature for about 15 minutes to soften.

Soften the butter for twenty seconds in the microwave in a microwave-safe bowl.
Soften the butter for 20 seconds in the microwave.

Step 4. Prepare the Wet Ingredients

In a large bowl, or a bowl of a stand mixer with a paddle attachment, add the melted butter together with 8 ounces of the cream cheese, and 2 cups of the granulated sugar.

Melted butter, cream cheese, and sugar in a bowl.
Add the melted butter together with the cream cheese and sugar in a bowl.

Step 5. Mix Until Fluffy

Using an electric mixer, mix cream cheese, melted butter, and sugar until fluffy. Start on low speed, gradually work up to medium speed, then high speed.

Tip: If you start with high speed when using the electric mixer, the ingredients can fly out of the bowl.

The butter, cream cheese, and sugar are mixed together with an electric hand mixer until fluffy.
Mix the butter, cream cheese, and sugar with an electric hand mixer until fluffy.

Step 6. Add an Egg to the Cream Cheese Mixture

Add one of the eggs together with the cream cheese, melted butter, and sugar mixture.

One egg is added to the melted butter, cream cheese, and sugar mixture in the bowl.
Put one of the eggs in the bowl together with the cream cheese mixture.

Step 7. Mix the Cream Cheese Mixture Again

Next, using the electric hand mixer again, whip the egg together with the cream cheese, melted butter, and sugar mixture.

One egg is mixed together with the melted butter, cream cheese, and sugar mixture in the bowl.
Blend the egg together with the cream cheese mixture in the bowl.

Step 8. Add the Second Egg

Then, add the second egg to the cream cheese, melted butter, and sugar mixture.

Add the other egg to the melted butter, cream cheese, and sugar mixture.
Add the other egg to the cream cheese mixture.

Step 9. Mix Thoroughly

And again, using the electric hand mixer, whip the second egg together with the melted butter, cream cheese, and sugar mixture.

Two eggs are mixed thoroughly with the cream cheese mixture.
Thoroughly mix the eggs together with the cream cheese mixture.

Step 10. Add the Bananas

Mash the 4 ripe bananas using a fork and then add the bananas together with the melted butter, cream cheese, and sugar mixture.

Four bananas are added to the bowl with the cream cheese mixture.
Add the four mashed bananas to the bowl with the cream cheese mixture.

Step 11. Add the Vanilla Extract

Next, add 1/2 teaspoon of vanilla extract together with the cream cheese, melted butter, sugar, and banana mixture.

Vanilla extract is added to the four bananas, eggs, melted butter, cream cheese, and sugar mixture.
Add the vanilla extract to the bowl of mashed bananas and cream cheese mixture.

Step 12. Combine the Bananas and Vanilla Extract

Using a spoon or spatula, mix the vanilla extract together with the mashed bananas and cream cheese mixture. There should be small pieces of bananas visible in the mixture. Set the mixture aside for now.

The vanilla extract, four bananas, eggs, melted butter, cream cheese, and sugar are mixed thoroughly together.
Banana bread mixture in a bowl.

Step 13. Prepare the Dry Ingredients

In a mixing bowl, add 1/2 teaspoon of salt together with 3 cups of flour, 1/2 teaspoon of baking powder, and 1/2 teaspoon of baking soda. Stir the dry mixture until the salt, flour, baking powder, and baking soda are thoroughly blended.

Flour, salt, baking powder, and baking soda in a bowl.
Flour, salt, baking powder, and baking soda in a bowl.

Step 14. Combine the Dry Ingredients and Wet Ingredients

Slowly add the flour mixture together with the banana and cream cheese mixture. It is easier to use a spoon or spatula when mixing the flour mixture with the cream cheese and banana mixture. We used a wooden spoon, but you can use whatever you have handy.

Slowly add the flour mixture to the banana bread mixture.
Slowly add the flour mixture together with the banana bread mixture.

Step 15. Add the Remaining Dry Ingredients

Continue to add the rest of the flour mixture together with the cream cheese and banana mixture.

The remaining flour mixture is added to the banana bread mixture.
Add the remaining flour mixture together with the banana bread mixture.

Step 16. Stir until Completely Blended

Blend the flour mixture and the banana and cream cheese mixture until thoroughly mixed into the banana bread batter.

The banana bread batter is mixed thoroughly.
Mix the banana bread batter thoroughly.

Step 17. Prepare the Loaf Pans

Generously spray two loaf pans with non-stick cooking spray.

Tip: If you prefer, you can line each loaf pan with parchment paper instead of spraying with non-stick cooking spray.

Two loaf pans are sprayed with non-stick cooking spray.
Coat the two loaf pans with non-stick cooking spray.

Step 18. Fill the Loaf Pans with Banana Bread Batter

After spraying the loaf pans, separate the banana bread batter mixture evenly into each prepared loaf pan.

Two loaf pans filled with banana bread batter.
Divided the banana bread batter into two loaf pans.

Step 19. Sprinkle with Chocolate Chips (Optional)

This step is optional, so you can skip it if you prefer. Add 1/2 cup of dark chocolate chips and 1/2 cup of white chocolate chips to one loaf pan.

Add chocolate chips and white chocolate chips to the loaf pan with the banana bread batter.
Add chocolate chips and white chocolate chips to the loaf pan with the banana bread batter.

Step 20. Stir in the Chocolate Chips

Mix the dark chocolate chips and the white chocolate chips together with the banana bread batter in the loaf pan.

Chocolate chips and white chocolate chips are mixed into the banana bread batter.
Thoroughly mix the chocolate chips and white chocolate chips together with the banana bread batter.

Step 21. Bake the Banana Bread

Use heat-resistant oven mitts to place both loaf pans in the preheated oven at 350 degrees Fahrenheit and bake them for one hour. A toothpick inserted into the center of the banana bread should come out clean when done.

Bake the banana bread in the oven at three hundred and fifty degrees Fahrenheit for one hour.
Bake the banana bread in the oven at three hundred and fifty degrees Fahrenheit for one hour.

Step 22. Cool the Banana Bread on Wire Racks

After baking, remove the banana bread from the oven using the heat-resistant oven mitts and allow the bread to completely cool on wire racks for about a half an hour or so.

Banana bread with cream cheese and chocolate chips baked in a loaf pan.
Banana bread with cream cheese and chocolate chips baked in a loaf pan.

⭐️ Recipe Variations for Banana Bread with Cream Cheese and Chocolate Chips

There are many different ways to make this classic banana bread recipe. Listed below are a coupe of suggestions you might like to try:

  • Make banana nut bread by adding about one cup of your favorite nuts, such as chopped walnuts or chopped pecans.
  • Add one cup of raisins to the banana cream cheese batter before baking.
  • You can make this banana bread without the chocolate chips that we used in this recipe.
Four slices of banana bread with cream cheese on a plate with butter slices on the side, but without chocolate chips.
Four slices of banana bread with cream cheese on a plate without chocolate chips.

🙋 FAQs

What do I do with Leftover Banana Bread?

You can leave any leftover banana bread in the loaf pan it was baked in. Then, cover it with aluminum foil and put it in the refrigerator. Or, take it out of the loaf pan and put it in an airtight container, then place it in the refrigerator.

Can I Freeze Leftover Banana Bread?

Yes, you can freeze leftover banana bread. For the best results, cut the banana bread into slices, then place one or two slices into an individual freezer-safe bag. The next time you are ready to enjoy a slice, take one bag out of the freezer and let it sit on the countertop for a few minutes. It thaws quickly.

Three slices of banana bread with cream cheese and chocolate chips on a plate.
Three slices of banana bread wth cream cheese and chocolate chips on a plate.

✏️ Final Thoughts

This cream cheese banana bread recipe with chocolate chips tastes great chilled in the refrigerator or heated in a toaster oven. Whether you eat it hot or cold, it will melt in your mouth because the cream cheese added to the recipe makes it extra moist and delicious.

Not only is this a perfect loaf of banana bread after it is baked, but it is also undeniably amazing. It has crispy edges on the outside that complement the creamy texture and the soft and fluffiness of the inside. This yummy cream cheese banana bread is, by far, our favorite banana bread recipe, whether it is made with or without dark and white chocolate chips.

Photo of banana bread with cream cheese and chocolate chips for Pinterest .

📑 Recipe Card

Banana Bread Recipe with Chocolate Chips and Cream Cheese recipe.

Banana Bread with Cream Cheese and Chocolate Chips

Avatar for FloFlo
Featuring cream cheese and chocolate chips, this banana bread recipe is extra moist and delicious. The cream cheese enhances the moistness and flavor, while the addition of chocolate chips transforms it into a delightful indulgence.
5 from 3 votes
Cost $8
Prep Time 10 minutes
Cook Time 1 hour
Total Time 1 hour 10 minutes
Course: Breakfast, Dessert, Snack
Cuisine: American
Servings 2 Loaves

🧂 Ingredients
  

👩‍🍳 Instructions
 

  • Preheat oven to 350 degrees Fahrenheit.
  • Put the butter in a microwave-safe bowl, then microwave it for 20 seconds, just enough to soften the butter.
  • In a large bowl combine the melted butter, cream cheese, and sugar. Mix together with an electric hand mixer until it is fluffy.
  • Add the eggs, one at a time, to the melted butter, cream cheese, and sugar mixture. Mix together using the electric hand mixer.
  • Mash the ripe bananas with a fork, but not into mush. We want to be able to see small pieces of bananas in the banana batter.
  • Add the mashed bananas and vanilla extract to the melted butter, cream cheese, and sugar mixture. Mix together. Set aside for now.
  • In a different bowl, add the flour, salt, baking powder, and baking soda. Mix well.
  • Slowly, a little at a time, add the flour mixture to the banana bread mixture. Mix thoroughly.
  • Coat the loaf pans with non-stick cooking spray.
  • Separate the banana bread mixture evenly into the loaf pans.
  • Sprinkle dark chocolate chips and white chocolate chips on top of "one" loaf pan of banana bread. Mix together.
  • Use the heat-resistant oven mitts to place both loaf pans in the preheated oven at 350-degrees Fahrenheit and bake for 1 hour. A toothpick inserted in the center of the banana bread should come out clean when done.
  • When done baking, remove the loaf pans from the oven with the oven mitts and place each loaf pan on a cooling rack for about half an hour to cool.

*️⃣ Recipe Notes

  • The 1/2 cup of dark chocolate chips and the 1/2 cup of white chocolate chips used in this recipe is enough for one loaf of banana bread. You will need to double the amount if you want chocolate chips in both loaves.
  • You can also add about 1 cup of walnuts or raisins, or both, to the banana bread batter right before you put it in the oven.
  • Powdered sugar icing can be lightly drizzled over the top of banana bread after it is done baking in the oven to give it a little frosting taste.                                                                                                                                                                                                                                                                                                                                                                                          
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5 from 3 votes (3 ratings without comment)

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