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Home » Recipes

Banana Chocolate Chip Muffins

Modified: Mar 26, 2026 · Published: Mar 26, 2026 by Natalie Booras · This post may contain affiliate links · Leave a Comment
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If you love classic banana bread but want something a little more portable, these Banana Chocolate Chip Muffins are the perfect way to use up overripe bananas sitting on your counter. 

Freshly baked banana chocolate chip muffins on a cooling rack.

They’re soft, tender, loaded with mini chocolate chips, and made with simple pantry staples. Think moist banana muffins with melty chocolate in every bite. They're basically everything you want from a solid banana muffin recipe.

These delicious muffins work just as well for breakfast as they do for an afternoon snack, and they bake up beautifully in a regular muffin tin in about 20–25 minutes.

If you have sweet, ripe bananas to use, I have lots of other banana recipes on my site. Try my Chocolate Chip Banana Bread with Pancake Mix, Banana Coffee Cake with Streusel Topping, or Banana Muffins with Sour Cream.

Why You’ll Love This Banana Chocolate Chip Muffin Recipe

  • They're soft, tender muffins with moist crumbs, and are a great way to use over-ripe bananas.
  • Made with simple ingredients, and they are freezer-friendly for enjoying later.
  • The best part is how balanced these muffins are. You get strong banana flavor, rich chocolate, and a tender crumb thanks to sour cream and brown sugar.

Why Mini Chocolate Chips Work Best

Mini chocolate chips distribute more evenly throughout the muffin batter, giving you melty chocolate chips in every bite. Instead of sinking to the bottom, they stay suspended in the muffin form, which is ideal for chocolate chip banana muffins.

A muffin with a bite taken out of if on a small serving plate.

Substitutions & Variations

  • Make these without chocolate chips for a simple banana bread muffin.
  • Use regular-sized chocolate chips instead of mini chips (though I love mini chips better!
  • Swap semi-sweet chips for dark or milk chocolate chips or chunks.
  • Make them gluten-free by using King Arthur’s Measure for Measure gluten-free flour.
  • Follow my tutorial on ripening bananas in the oven for baking.

Natalie’s Pro Tip

The size of your muffin tins affects how many muffins you’ll get. I have a Williams Sonoma pan with generously sized wells, which yields fewer muffins. A standard or dollar store pan makes slightly smaller muffins, but you’ll end up with more overall.

Ingredients

The ingredients needed to make the Banana Chocolate Chip Muffins include flour, sour cream, baking powder, bananas, butter, eggs, sugar, vanilla, brown sugar, mini chocolate chips, and baking soda.

*Please scroll down to the full recipe for specific ingredient amounts.

How to Make Banana Chocolate Chip Muffins

Step 1. Preheat the oven to 350°F. Prepare your muffin tins with liners or nonstick spray, then set aside.

Step 2. In a large mixing bowl, cream the unsalted butter, white sugar, brown sugar, and eggs with a hand mixer until light and fluffy. Make sure the butter is at room temperature for the best results.

Step 3. Add the sour cream, vanilla bean paste, and mashed banana to the bowl and mix until combined. This banana mixture adds moisture and enhances the banana flavor.

Butter, brown sugar, granulated sugar and eggs being beaten together in a large mixing bowl.
The sour cream and vanilla bean paste being added to the muffin buatter.

Step 4. In a separate bowl or medium bowl, whisk together the dry ingredients. Add the dry ingredients to the wet ingredients and mix just until combined. Avoid overmixing the muffin batter to keep the muffins tender.

Step 5. Fold in ¾ cup of the mini chocolate chips, saving the rest for the tops. Divide the batter evenly into the muffin cups, filling each about ¾ full. Sprinkle the remaining chips over the tops.

The mini chocolate chips being folded into the muffin batter.
The muffin batter in a muffin pan before baking.

Step 6. Bake for 20–25 minutes, or until the tops are lightly browned and a toothpick inserted into the center of the muffins comes out clean. Allow the muffins to cool slightly, then run a butter knife around the edges to gently release them from the pan if necessary.

A freshly baked banana chocolate chip muffin on a small serving plate.

Storage & Freezing Tips

Once cooled, store muffins in an airtight container lined with paper towels to absorb excess liquid. This helps prevent soggy tops and keeps the muffins fresh.

For freezing, wrap the muffins in a single layer with a layer of plastic wrap, followed by a layer of aluminum foil. Place them in a freezer bag, Ziploc bag, or airtight freezer container to protect against freezer burn. Muffins freeze well for up to three months.

FAQs

How ripe should bananas be for banana chocolate chip muffins?

The riper, the better. Look for bananas with lots of brown spots or even mostly brown peels. These will give your banana chocolate chip muffins the best natural sweetness and strong banana flavor.

How do I make my banana chocolate chip muffins moist and fluffy?

Be careful not to overmix the batter. This is the #1 reason muffins turn out dense. Mix just until everything is combined, and make sure your bananas are very ripe to keep the muffins soft and moist.

How full should I fill the muffin cups?

Fill each muffin cup about ¾ full. This gives your banana chocolate chip muffins enough room to rise without overflowing, while still creating a nice, rounded top.

Can I use frozen bananas for banana chocolate chip muffins?

Yes! Just thaw the bananas first and drain off any excess liquid before mashing. Frozen bananas are actually great because they’re usually extra ripe, which gives your banana chocolate chip muffins even more flavor.

Banana Chocolate Chip Muffins piled in a large serving bowl.

Banana Chocolate Chip Muffins

If you love bakery-style muffins, these banana chocolate chip muffins are a must-try! Made with ripe bananas and a touch of sour cream for extra moisture, they bake up soft, fluffy, and full of flavor. Mini chocolate chips are sprinkled throughout so you get a little chocolate in every bite.
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Prep Time 15 minutes mins
Cook Time 23 minutes mins
Total Time 38 minutes mins
Course breakfast, brunch, dessert, snack
Cuisine American
Servings 18 muffins

Ingredients
  

  • ½ cup unsalted butter softened to room temperature
  • ¾ cup granulated sugar
  • ¾ cup of light brown sugar packed
  • 2 large eggs
  • ¼ cup sour cream
  • 1 teaspoon vanilla bean paste
  • 1 cup mashed bananas 2-3 medium-sized bananas
  • 2 cups all-purpose flour
  • ½ Tablespoon baking powder
  • ½ teaspoon baking soda
  • 1 cup mini semi-sweet chocolate chips divided.

Instructions
 

  • Preheat the oven to 350°F. Prepare your muffin tins with muffin liners or nonstick spray and set aside.
  • In a large bowl or mixing bowl, cream the unsalted butter, white sugar, brown sugar, and eggs using a hand mixer until light and fluffy. Make sure the butter is at room temperature for the best results.
    ½ cup unsalted butter, ¾ cup granulated sugar, ¾ cup of light brown sugar, 2 large eggs
  • Add the sour cream, vanilla bean paste, and mashed banana to the bowl and mix until combined. This banana mixture adds moisture and enhances the banana flavor.
    ¼ cup sour cream, 1 teaspoon vanilla bean paste, 1 cup mashed bananas
  • In a separate bowl or medium bowl, whisk together the dry ingredients. Add the dry ingredients to the wet ingredients and mix just until combined. Avoid overmixing the muffin batter to keep the muffins tender.
    2 cups all-purpose flour, ½ Tablespoon baking powder, ½ teaspoon baking soda
  • Fold in ¾ cup of the mini chocolate chips, saving the rest for the tops. Divide the batter evenly into the muffin cups, filling each about ¾ full. Sprinkle the remaining chips over the tops.
    1 cup mini semi-sweet chocolate chips
  • Bake for 20–25 minutes, or until the tops are lightly browned and a toothpick inserted into the center of the muffins comes out clean. Allow the muffins to cool slightly, then run a butter knife around the edges to gently release them from the pan.

Notes

Storage & Freezing Tips
Once cooled, store muffins in an airtight container lined with paper towels to absorb excess liquid. This helps prevent soggy tops and keeps the muffins fresh.
For freezing, wrap the muffins in a single layer with a layer of plastic wrap, followed by a layer of aluminum foil. Place them in a freezer bag, Ziploc bag, or airtight freezer container to protect against freezer burn. Muffins freeze well for up to three months.
Recipe Notes
The size of your muffin tins affects how many muffins you’ll get. I have a Williams Sonoma pan with generously sized wells, which yields fewer muffins. A standard or dollar store pan makes slightly smaller muffins, but you’ll end up with more overall.
Can I use frozen bananas for banana chocolate chip muffins?
Yes! Just thaw the bananas first and drain off any excess liquid before mashing. Frozen bananas are actually great because they’re usually extra ripe, which gives your banana chocolate chip muffins even more flavor.
How ripe should bananas be for banana chocolate chip muffins?
The riper, the better. Look for bananas with lots of brown spots or even mostly brown peels. These will give your banana chocolate chip muffins the best natural sweetness and strong banana flavor.
How do I make my banana chocolate chip muffins moist and fluffy?
Be careful not to overmix the batter—this is the #1 reason muffins turn out dense. Mix just until everything is combined, and make sure your bananas are very ripe to keep the muffins soft and moist.
Tried this recipe?Let us know how it was!
Natalie Booras
Natalie Booras

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Hi, I'm Natalie!
I'm a home cook, food photographer and blogger, wife, and mom of twins who believes great meals don’t have to be complicated. On Salads, Soups & Sweets, I share easy, family-friendly recipes made with everyday ingredients.

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