Preheat oven to 350 F. Grease or line 16 standard muffin tin cups. Set aside.
To make the filling, beat the cream cheese, sugar, egg, and salt together until well-combined.
6 ounces cream cheese, ¼ cup granulated sugar, 1 large egg, Pinch salt
Stir in the mini chocolate chips.
½ cup mini semisweet chocolate chips
Set aside.
Melt the 1/2 cup semisweet chocolate chips over hot, not boiling, water, stirring until smooth.
½ cup semisweet chocolate chips
Remove from heat and set aside.
In a large bowl, stir sugar, oil, egg, and vanilla together until well-combined.
½ cup granulated sugar, ⅓ cup vegetable oil, 1 large egg, 1 teaspoon vanilla extract
Stir in melted chocolate chips.
Add flour, baking soda, and salt. Stir in just until combined.
1 ½ cups all-purpose flour, 1 teaspoon baking soda, ½ teaspoon salt
Mix in the warm water just until combined.
1 cup warm water
Divide half of the cupcake batter between the muffin tin cups.
Drop a rounded tablespoon of filling in each muffin tin cup.
Top with the remaining half batter.
Bake for 20-25 minutes.
Cool in pan for 5 minutes.
Remove to wire cooling rack to finish cooling.
Video
Notes
Cream cheese: I've used full-fat and reduced-fat cream cheese in this recipe. However, I don't recommend fat-free cream cheese.
Mini chocolate chips: I like to use mini chocolate chips in the filling because they don't sink the way that regular-sized chocolate chips can. You can use regular-sized chocolate chips if you prefer.
Water: The water should be about 80F. Cold water is more difficult to mix in, and the water should not be boiling water.