Heat oven to 350F. Lightly coat an 8x8x2-inch baking pan with cooking spray. Set aside.
Combine the flour, baking powder, baking soda, and salt. Add the milk, dares, apples, egg, sugar, oil, vanilla, pecans, and cardamon. Spread batter into prepared pan. Sprinkle over rolled oats.
Bake about 25 minutes or until a knife inserted near the center comes out clean. Cool slightly. Cut with a serrated knife. Serve warm or room temperature. Store tightly wrapped plastic for up to 3 days.