Edited by: Jessica Merritt
& 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!
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.
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 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!
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!
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.
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!
There are 50 Capital One Cafés spread out across 16 states and Washington, D.C. Here are the current Capital One Café locations:
As Capital One Café transitions to its new partnership with Verve Coffee Roasters, the menu is expected to include:
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!
Yes, Capital One Cafés are very real! These are places that double as bank branches, workspaces, cafés, and meeting areas.
There are 50 Capital One Cafés around the U.S.
Capital One Cafés are located in major cities around the U.S., including Los Angeles, Miami, New York City, and Washington, D.C.
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.
Yes, you can make deposits via the ATMs at a Capital One Café if you are a Capital One customer.
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.
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