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Preheat the oven to 350 F. Line an 8 inch square baking pan with parchment paper and spray with an oil/flour combo, such as Baker's Joy.
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Whisk together the dry ingredients, the first 5 ingredients. Set aside.
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Pour the oil, vinegar and vanilla into the dry ingredients. Pour the water over the top. Stir just until blended, using a rubber spatula to scrape the bottoms and sides of the bowl. Working quickly (to preserve the chemical reaction between the vinegar and baking soda, which leavens the cake), pour the cake batter into the prepared pan. Sprinkle the miniature chocolate chips over the top of the batter in the pan. Place the pan into the oven.
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Bake for 27-32 minutes, or until a cake tester inserted into the center of the oven comes out with only a few crumbs attached. Let cool completely in the pan on a cooling rack. Turn the cake out and peel the parchment paper off of the bottom before slicing. Garnish with powdered sugar or whipped cream.