01 - Preheat oven to 375°F and line a 12-cup muffin pan with paper liners or lightly coat with nonstick spray.
02 - In a medium bowl, whisk together all-purpose flour, baking powder, baking soda, and salt until uniform.
03 - In a large bowl, beat eggs, buttermilk, vegetable oil, melted butter, and honey until fully combined.
04 - Fold dry ingredients into wet ingredients and stir gently until just combined; avoid overmixing.
05 - In a small bowl, blend softened cream cheese with chives (if using) and garlic powder until smooth.
06 - Fill each muffin cup halfway with batter. Place 1 tablespoon cream cheese mixture in center of each, then cover with remaining batter.
07 - Sprinkle muffin tops evenly with everything bagel seasoning and sesame seeds for crunch.
08 - Bake for 20–22 minutes until tops are golden and a toothpick inserted into the muffin portion comes out clean.
09 - Let muffins cool in pan for 5 minutes, then transfer to wire rack to cool slightly; serve warm or at room temperature.