01 - Preheat oven to 400°F. Line a baking sheet with parchment paper.
02 - In a large mixing bowl, whisk together all-purpose flour, granulated sugar, baking powder, and salt.
03 - Using a pastry cutter or your fingertips, integrate cold cubed butter into the flour mixture until a coarse crumb texture forms.
04 - In a separate bowl, whisk whole milk, egg, and vanilla extract. Pour over dry ingredients and mix gently until just combined, avoiding overmixing.
05 - Drop spoonfuls of creamy peanut butter onto dough and scatter semi-sweet chocolate chips. Gently fold and swirl for marbled ribbons; do not fully blend.
06 - Transfer dough to a lightly floured surface. Shape into a 7-inch disk, approximately 1 inch thick. Slice into 8 wedges and arrange on prepared baking sheet.
07 - Brush scone tops with heavy cream and sprinkle with coarse sugar if desired. Bake for 16–18 minutes, until golden brown and a toothpick comes out clean.
08 - Remove scones from oven and let cool slightly before serving.