Whisk together all wet ingredients until the egg is broken up.
Add in all of the remaining ingredients aside from the chocolate chips and whisk to combine. The batter should be on the thicker side which will yield thicker pancakes. If you want thinner pancakes, add about 2 tablespoons more milk.
Fold in the chocolate chips if using. You can add more if desired, but I don't recommend more than 2/3 cup as this will make it difficult to flip/cook properly.
I also find it easiest to mix the chocolate chips or blueberries right into the batter, rather than placing them on top of the pancake while it's cooking. They fluff up more and cook more evenly!
Add 1/4 cup worth of batter to a warm and lightly greased pan pan over low/medium heat and cook for about 2-3 minutes on each side or flip when bubbles start to form around the edges.
I like to use a 1/4 measuring cup to keep them perfectly uniform and use the back of it to spread them out a bit into an even circle. Repeat until all batter has been used. Top with maple syrup, berries, butter, banana or whipped cream if desired!