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Capital One Cafés — What To Expect and Where They Are Located

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Stephen Au
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Stephen Au

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
Edited by: Jessica Merritt
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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Keri Stooksbury

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We’re in an era when attention spans seem to be getting smaller and smaller, while consumer tastes are becoming more and more fickle. Most millennials and Gen-Zers have grown tired and skeptical of the traditional banking experience.

Capital One has responded to this trend by disrupting traditional retail banking through its Capital One Café experience. By introducing Capital One Cafés, banking at Capital One has now become associated with fun and networking.

In this guide, we’ll show you what to expect from Capital One Cafés. Let’s get into it!

What Is a Capital One Café?

Capital One Cafe 59th Lex
Image Credit: Capital One

A Capital One Café is a combination of a bank branch and a coffee shop.

Capital One knows there’s a need for brick-and-mortar bank locations and that coffee culture is on the rise. Marrying these 2 observations resulted in the development of the Capital One Café.

At the cafés, the traditional banking experience can become so much more fun than sitting down on a chair and having a one-on-one meeting with a local bank employee.

Enjoy a Drink or Snack

The Capital One Café is first and foremost a coffee shop — secondarily, it’s a Capital One bank branch with some of the same features and offerings that a regular bank branch would have.

Capital One partners with Verve Coffee Roasters to offer traditional coffee and espresso, as well as pastries, sandwiches, and light fare.

Capital One Cafe Verve teaser
Image Credit: Capital One

Capital One Cafés are often bright, airy, and aesthetically appealing with mid-century modern design elements and furniture. These spaces are undoubtedly nicer than your local coffee shop!

Hot Tip: One of the best features of Capital One Cafés is that Capital One credit and debit cardholders get 50% off of all handcrafted beverages purchased here!

Banking Staff and Services

In addition to an actual coffee shop, Capital One Cafés have some of the same facilities as a bank, including ATMs. Capital One staff (known as Capital One Café Ambassadors) can help offer educational materials and advice on the various programs offered by the bank, including checking accounts, credit cards, and mortgage loans.

Capital One customers won’t be charged fees for ATM withdrawals, deposits (cash or checks), or paying their Capital One credit card bill. You can even apply for a Capital One credit card at a Capital One Café!

Money & Life Program and Events

While you’re visiting, you can take part in the Money & Life Program, which offers 1-on-1 mentoring sessions with a professional Money & Life Mentor, even if you’re not a Capital One client. With the program, you can build on your personal finance education to achieve your goals and dreams.

Capital One Cafés are designed to build community, and one of the ways this is accomplished is by hosting free workshops on personal finance topics, such as checking your credit report, budgeting, and improving your relationship with money.

If there aren’t any events taking place near you, you can make use of the on-demand content and workshops available online. Plus, in-cafe tablets are offered with fun personal finance trivia and quizzes you can take.

Perks for Remote Workers and Groups

Another lovely feature of Capital One Cafés is that every location has free Wi-Fi, charging stations, semi-private spaces, and workspaces to get your work done.

You can even utilize the private community room, which can be booked for free by registered nonprofits, alumni groups, and student clubs. Every Capital One Café has a community room!

Bottom Line: In general, Capital One Cafés are much less crowded than your local coffee shop, so that’s a huge plus if you’re trying to be productive on the go.

Capital One Cafés Locations

There are 50 Capital One Cafés spread out across 16 states and Washington, D.C. Here are the current Capital One Café locations:

  • Arizona
    • Scottsdale (Scottsdale Fashion Square Café)
  • California
    • Canoga Park (Westfield Topanga Café)
    • Glendale (Glendale Café)
    • Irvine (Irvine Spectrum Café)
    • Los Angeles (Downtown LA Café)
    • Los Angeles (Hollywood Café)
    • Rancho Cucamonga (Victoria Gardens Café)
    • Roseville (Westfield Galleria at Roseville Café)
    • San Diego (Westfield UTC Café)
    • San Francisco (Union Square Café)
    • Santa Clara (Westfield Valley Fair Café)
    • Santa Monica (Santa Monica Café)
    • Walnut Creek (Walnut Creek Café)
  • District of Columbia
    • Washington, D.C. (Anacostia Café)
    • Washington, D.C. (Chinatown Café)
    • Washington, D.C. (Georgetown Café)
  • Florida
    • Coral Gables (Miracle Mile Café)
    • Delray Beach (Delray Beach Café)
    • Fort Lauderdale (Ft. Lauderdale Café)
    • Miami (Brickell Café)
    • Miami Beach (Miami Beach Café)
    • Tampa (Tampa Café)
    • West Palm Beach (West Palm Beach Café)
  • Georgia
    • Atlanta, GA (Lenox Square Café)
  • Illinois
    • Chicago (Hyde Park Café)
    • Chicago (Lincoln Park Café)
    • Chicago (Southport Café)
    • Chicago (State Street Café)
  • Massachusetts
    • Boston (Back Bay Café)
    • Boston (Ink Block Café)
    • Boston (Seaport Café)
    • Cambridge (Harvard Square Café)
    • Somerville (Assembly Row Café)
  • Michigan
    • Detroit (Downtown Detroit Café)
  • Minnesota
    • Bloomington (Mall of America Café)
  • Oregon
    • Portland (Pioneer Courthouse Square Café)
  • Nevada
    • Las Vegas (Fashion Show Café)
  • New York
    • New York City (Union Square Flagship Café)
  • Ohio
    • Cincinnati (Kenwood Towne Centre Café)
    • Columbus (Easton Town Center Café)
  • Pennsylvania
    • King of Prussia (King of Prussia Café)
    • Philadelphia (Rittenhouse Café)
  • Texas
  • Virginia
    • Richmond (Carytown Café)
    • Richmond (Short Pump Café)
  • Washington
    • Bellevue (Bellevue Café)
    • Seattle (South Lake Union Café)

Capital One Café Menu

Capital One cafe workspace
Image Credit: Capital One

As Capital One Café transitions to its new partnership with Verve Coffee Roasters, the menu is expected to include:

  • Brews and Beverages: Drip, pour over, lattes, seasonal and specialty beverages, flash brew, matcha, kombucha
  • Breakfast and Lunch Bites: Grilled cheese, quiche, flatbreads, sandwiches
  • Lite Bites: Pastries, croissants, scones, cookies, loaf bread
  • Grab-and-Go: Yogurt, hummus, chips, protein bars, cookies, confections, water, kombucha, juice

Final Thoughts

Capital One Cafés offer the ability to build human connections while banking in an approachable way. By choosing to offer community services such as financial wellness workshops combined with the fun of going to a coffee shop, these spaces attract like-minded individuals who are looking to experience a different way to approach banking.

These cafés offer the full-service coffee shop experience, plus access to professionals known as Café Ambassadors who can help you level up your personal finance knowledge without trying to sell you on products.

In addition, Capital One credit and debit cardholders get 50% off any handcrafted beverage at Capital One Cafés, which is a great way to save money on a cup of coffee!

Frequently Asked Questions

Are Capital One Cafés real?

Yes, Capital One Cafés are very real! These are places that double as bank branches, workspaces, cafés, and meeting areas.

How many Capital One Cafés are there?

There are 50 Capital One Cafés around the U.S.

Where are Capital One Cafés located?

Capital One Cafés are located in major cities around the U.S., including Los Angeles, Miami, New York City, and Washington, D.C.

Are Capital One Cafés successful?

Capital One has realized that consumers still want physical bank branches, but want a warmer experience. For this reason, Capital One Cafés are very popular.

Can you deposit cash at Capital One Cafés?

Yes, you can make deposits via the ATMs at a Capital One Café if you are a Capital One customer.

Does Capital One give free coffee?

No, there’s no free coffee at Capital One Cafés, but Capital One gives 50% off of beverages at the coffee shop by Verve Coffee Roasters.

Stephen Au's image

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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