Preheat the oven to 425 and grease a baking sheet.
In a large bowl, combine the dry ingredients. Cut the butter into the mixture, until it resembles coarse crumbs.
In a small bowl, whisk together the wet ingredients. Add to the dry ingredients, along with the chocolate chips, and stir until just combined.
On a floured surface, knead the dough 5-7 times. Using a floured rolling pin, roll the dough into a circle (about 7 inches). Cut circle into eighths. If you want smaller scones then cut them smaller, if you want larger scones cut into sixths or fourths.
If you want a glazed outside, brush the milk/cream on top of the scones before baking. Otherwise, bake the scones for 20 minutes or until golden brown. Serve warm and enjoy.