Preheat oven to 350 degrees F.
Line a standar 12-batch muffin pan with muffin liners (or use nonstick spray).
In a large bowl, stir together whole wheat or spelt flour, almond flour, old-fashioned oats, cardamom, baking soda, baking powder, and salt.
In another bowl, stir together the eggs, butter or oil, and maple syrup. Mix in the grated carrots and zucchini. Add dry ingredients and stir until just combined. The batter will be thick.
Scoop batter into muffin cups, filling almost all the way. Top with chocolate chips and/or seeds. Bake for 25-28 minutes, or until a toothpick inserted into the middle of the muffin comes out clean.