We demonstrate the possibility of trapping about one hundred million rubidium atoms in a magneto-optical trap with several of the beams passing through a transparent atom chip mounted on a vacuum cell wall. The chip is made of a gold microcircuit deposited on a silicon carbide substrate, with favorable thermal conductivity. We show how a retro-reflected configuration can efficiently address the chip birefringence issues, allowing atom trapping at arbitrary distances from the chip. We also demonstrate detection through the chip, granting a large numerical aperture. This configuration is compared to other atom chip devices, and some possible applications are discussed.