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This banana bread recipe has cream cheese and chocolate chips added to it. The cream cheese added to the recipe makes it extra moist and delicious. The chocolate chips added to this recipe make it an extra special treat.

(Last Updated On: April 26, 2022)

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

The riper the banana, the sweeter the banana bread. Ripe bananas are soft and also streaked with black color or black spots. So don’t throw out those over-ripened bananas, bake up some banana bread instead. Your family will thank you and enjoy every last bite of it.

A slice of banana bread.

This banana bread recipe with chocolate chips added to it tastes so good that you don’t even need to add butter on top. Also, it tastes heavenly chilled in the refrigerator or heated in a toaster oven.

This banana bread will melt in your mouth whether you eat it hot or cold because the cream cheese added to the recipe makes it extra moist and delicious.

Key Ingredients for Banana Bread Recipe with Chocolate Chips

  • 3/4 of a cup of butter (1 and 1/2 sticks)
  • 8 ounces of cream cheese
  • 2 cups of sugar
  • 2 eggs
  • 1/2 teaspoon of vanilla extract
  • 1/2 teaspoon of salt
  • 3 cups of flour
  • 1/2 teaspoon of baking powder
  • 1/2 teaspoon of baking soda
  • 4 bananas
  • 1/2 cup of dark chocolate chips
  • 1/2 cup of white chocolate chips
Banana Bread Ingredients.
Ingredients for banana bread.

Step-By-Step Banana Bread Instructions With Photos

Preheat oven to 350 degrees.

For this recipe, one loaf of banana bread will have white and dark chocolate chips in it, and the other loaf won’t. That gives us two different loaves of banana bread, and each one will taste so delicious it will be hard to choose which one to eat. Therefore, you will need to double the amount in the ingredients list if you want chocolate chips in both loaves.

Preparing The Butter

Cut up 1 and a half sticks of butter and place them in a microwaveable bowl. Note: 1 and a half sticks of butter equal 3/4 of a cup.

Cubed Butter in a bowl.
Put the butter in a bowl.

Then, soften the butter by melting it in the microwave for twenty seconds.

Butter melted in the microwave.
Soften the butter for 20 seconds in the microwave.

Adding The Cream Cheese And Sugar

In a large bowl add 3/4 of a cup of the melted butter together with 8 ounces of the cream cheese, and 2 cups of the sugar.

Melted butter mixed with cream cheese and sugar.
Mix melted butter, cream cheese, and sugar with an electric hand mixer until fluffy.

Mixed Until Fluffy

Then, using the electric hand mixer, whip the melted butter, cream cheese, and sugar until fluffy.

Butter, cream cheese, and sugar mixed together with a hand mixer until fluffy.
Using the electric hand mixer, the butter, cream cheese, and sugar have been mixed until fluffy.

Adding The Eggs To Banana Bread Batter

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

One egg has been added to the melted butter, cream cheese, and sugar.
One egg has been added to the melted butter, cream cheese, and sugar mixture.

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

One egg has been added to the melted butter, cream cheese, and sugar.
One egg has been added together with the melted butter, cream cheese, and sugar mixture.

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

Another egg has been added to the melted butter, cream cheese, and sugar.
Add the other egg to the melted butter, cream cheese, and sugar, and mix thoroughly.

And again, using the electric hand mixer, whip both of the eggs together with the melted butter, cream cheese, and sugar mixture.

Two eggs have been mixed thoroughly with the melted butter, cream cheese, and sugar.
Two eggs have been added together with the melted butter, cream cheese, and sugar mixture.

Adding 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 eggs, melted butter, cream cheese, and sugar.
The four mashed bananas are added to the bowl with the melted butter, cream cheese, and sugar mixture.

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

Vanilla extract has been added to the four bananas, eggs, melted butter, cream cheese, and sugar.
1/2 teaspoon of vanilla extract has been added to the bowl of mashed bananas, melted butter, cream cheese, and sugar.

Mix the vanilla extract together with the bananas, melted butter, cream cheese, and sugar mixture.

The vanilla extract, four bananas, eggs, melted butter, cream cheese, and sugar are mixed thoroughly together.
Mix all of the ingredients thoroughly with a spoon.

Preparing The Flour Mixture

In a small 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.

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

Slowly add the flour mixture together with the banana mixture.

Some of the flour mixture is added to the banana bread mixture.
Slowly add the flour mixture to the banana bread mixture.

Keep adding more of the flour mixture together with the banana mixture.

More of the flour mixture is added to the banana bread mixture.
Keep adding more of the flour mixture together with the banana bread mixture.

Mix all of the ingredients thoroughly together with the flour and banana mixture.

All of the flour mixture is added to the banana bread mixture.
All of the flour has been added to the banana bread mixture and mixed well.

Preparing The Loaf Pans

Generously spray two loaf pans with cooking spray.

Two loaf pans sprayed with cooking oil.
Spray two loaf pans with cooking spray.

Filling Loaf Pans With Banana Bread Batter

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

Two loaf pans filled with banana bread batter.
Separate the banana bread mixture evenly into both loaf pans.

Optional Chocolate Chips

Add the dark chocolate chips and the white chocolate chips to one loaf pan.

Note: If you want to you can put dark and white chocolate chips in both of the loaf pans, or you don’t have to add any chocolate chips at all because this banana bread recipe tastes great without them too. However, you will need to double the amount in the ingredients list if you want chocolate chips in both loaves.

Chocolate chips and white chocolate chips are added to one of the loaf pans with the banana bread batter.
Sprinkle dark chocolate chips and white chocolate chips on top of one of the loaves of the banana mixture.

Stir the dark chocolate chips and the white chocolate chips together with the banana mixture.

Chocolate chips and white chocolate chips are mixed in with the banana bread batter.
Chocolate chips and white chocolate chips are mixed in with the banana bread batter.

Place both loaf pans in a preheated 350-degree oven and bake for 1 hour. A toothpick inserted into the center of the banana bread should come out clean when done.

Banana bread done baking in the oven.
Place both loaf pans of the banana bread mixture in a preheated 350-degree oven and bake for one hour.

Not only is this a perfect loaf of banana bread, but it is undeniably delicious too, with crispy edges on the outside that complement the soft and fluffiness of the inside.

Banana bread done baking in the oven.
The banana bread has been baked in the oven for one hour and is done.

This slice of banana bread is without the dark and white chocolate chips, and the person who ate it said it was so moist and delicious, they wanted another piece. 🙂 Also, if you want an extra treat added to your banana bread, try drizzling some powdered sugar frosting on the top.

slices of banana bread on a plate

Banana Bread Recipe with Chocolate Chips

Flo
This banana bread recipe has cream cheese and chocolate chips added to it. The cream cheese added to the recipe makes it extra moist and delicious. The chocolate chips added to this recipe make it an extra special treat.
5 from 2 votes
Cost $8
Prep Time 10 mins
Total Time 1 hr 10 mins
Course: Breakfast, Dessert, Snack
Cuisine: American
Servings 16

Equipment

Ingredients
  

Instructions
 

  • Preheat oven to 350 degrees.
  • Put the butter in a bowl.
  • Microwave for thirty seconds 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 to the melted butter, cream cheese, and sugar mixture. Mix together using the electric hand mixer.
  • Mash 4 ripe bananas with a fork.
  • Add the mashed bananas and vanilla extract to the melted butter, cream cheese, and sugar mixture. Mix together.
  • In a small bowl mix together the flour, salt, baking powder, and baking soda.
  • Slowly add all of the flour mixture to the banana bread mixture.
  • Spray two loaf pans with cooking spray.
  • Separate the banana bread mixture evenly into 2 loaf pans.
  • Sprinkle dark chocolate chips and white chocolate chips on top of "one" of the loaves of banana bread. Mix together.
  • Place both loaf pans in a preheated 350-degree oven and bake for 1 hour.
  • A toothpick inserted in the center of the banana bread should come out clean when done.

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 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.                                                                                                                                                                                                                                                                                                                                                                                          
Keyword banana bread, bananas, breakfast, chocolate chips, cream cheese, dessert, snack
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