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Capital One Cafés are popping up at malls and in busy shopping districts across the U.S., offering a unique blend of coffee shop, workspace, and banking hub. While Capital One's premium airport lounges have attracted a lot of buzz, there are just a few locations that are up and running. If you don't happen to live near one of those airports, a Capital One Café might be the next best thing.
If you want to visit an airport lounge, you'll need a Capital One Venture X Rewards Credit Card or Capital One Venture X Business card in your wallet. But anyone can visit a Capital One Café. I recently stopped by my local one to check it out. Here's what it was like and how you can visit one too.
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What is a Capital One Café?
Think Starbucks, but with bankers and ATMs available. Visitors to a Capital One Café can access free Wi-Fi, order coffee and tea beverages, and relax or work in a comfortable space. Unlike Capital One Lounges in airports, the cafés are open to anyone, however, if you're a Capital One cardholder you can snag a 50% discount on your handcrafted beverages.
Here's what I found at the Houston café.
Located in the Houston Galleria Mall, the overall vibe is a cozy, modern coffee shop with food and beverage as the center of the café. Around the perimeter are comfortable chairs and couches with outlets aplenty.
It is a welcoming environment with quiet spaces to work and free Wi-Fi, but it's also kid-friendly. There are tables with games, including Jenga (which my kids enjoyed playing together) and checkers. There were even bean bag toss games set up and little paper airplane kits available. This was perfect for a mid-shopping break with my boys.
There are also restrooms available, so that was an extra bonus with kids in tow.
The café offers rooms that you can reserve. Capital One cardholders can reserve smaller workspaces, and student and community groups can reserve larger spaces. Both are free. Additionally, financial advisors and occasional community events are available.
There were no sales pitches or pressure to bank with Capital One. It just felt like a coffee shop with extra amenities. But if you want to open a new card or ask questions about an account, “ambassadors” are ready to talk.
Related: The 7 Best Capital One Credit Cards for Every Purchase
Capital One Café Locations and Hours
More than 50 Capital One Cafés are located in cities across the United States. One of the workers at the Houston café said many are on the way, so if you don't have one near you now, you might soon! Currently, they are located in major metropolitan areas in 19 states.
| State | Location | Hours |
|---|---|---|
| Arizona | Scottsdale Fashion Square Café | 9am-9pm |
| California | Canoga Park – Westfield Topanga | 10am-9pm |
| California | Glendale – Glendale | 10am-10pm |
| California | Irvine – Irvine Spectrum | 9am-10pm |
| California | Los Angeles – Downtown Los Angeles | 7am-6pm |
| California | Los Angeles – Hollywood | 8am-6pm |
| California | Los Angeles – Santa Monica | 8am-6pm |
| California | Los Angeles – Victoria Gardens | 9am-7pm |
| California | Roseville – Westfield Galleria at Roseville | 10am-6pm |
| California | San Diego – Westfield UTC | 10am-9pm |
| California | San Francisco – Union Square | 7am-6pm |
| California | Santa Clara – Westfield Valley Fair | 10am-9pm |
| California | Walnut Creek – Walnut Creek | 8am-7pm |
| Colorado | Boulder – Boulder | 7am-6pm |
| Colorado | Denver – Union Station LoDo | 7am-6pm |
| District of Columbia (Washington D.C.) | Washington – Anacostia | 8am-7pm |
| District of Columbia (Washington D.C.) | Washington – Chinatown | 7am-7pm |
| District of Columbia (Washington D.C.) | Washington – Georgetown | 7am-8pm |
| Florida | Coral Gables – Miracle Mile | 8am-6pm |
| Florida | Delray Beach – Delray Beach | 8am-8pm |
| Florida | Fort Lauderdale – Fort Lauderdale | 7am-7pm |
| Florida | Miami – Brickell | 7am-7pm |
| Florida | Miami Beach – Miami Beach | 9am-7pm |
| Florida | Tampa – Tampa – Hyde Park Village | 8am-8pm |
| Georgia | Atlanta – Lenox Square | 10am-8pm |
| Illinois | Chicago – Hyde Park | 7am-6pm |
| Illinois | Chicago – Southport | 7am-7pm |
| Illinois | Chicago – State Street | 7am-7pm |
| Massachusetts | Boston – Back Bay | 7am-7pm |
| Massachusetts | Boston – Ink Block | 7am-6pm |
| Massachusetts | Boston – Seaport | 7am-6pm |
| Massachusetts | Cambridge – Harvard Square | 7am-7pm |
| Massachusetts | Somerville – Assembly Row | 6:30am-7pm |
| Michigan | Detroit – Downtown Detroit | 7am-6pm |
| Minnesota | Bloomington – Mall of America | 10am-9pm |
| Missouri | Kansas City – Country Club Plaza | 9am-7pm |
| Nevada | Las Vegas – Fashion Show | 10am-9pm |
| New York | New York City – 59th and Lexington | 7:30am-7pm |
| New York | New York City – Herald Square | 7:30am-7pm |
| New York | New York City—Union Square | 7:30am-7pm |
| Ohio | Cincinnati – Kenwood Towne Center | 10am-6pm |
| Ohio | Columbus – Easton Town Center | 9am-6pm |
| Oregon | Portland – Pioneer Courthouse Square | 7am-6pm |
| Pennsylvania | King of Prussia – King of Prussia Café | 9am-9pm |
| Pennsylvania | Philadelphia – Rittenhouse | 7am-7pm |
| Texas | Austin – Domain | 9am-7pm |
| Texas | Austin – Downtown Austin | 7am-6pm |
| Texas | Frisco – Stonebriar Centre | 9:30am-8pm |
| Texas | Houston – Houston Galleria | 10am-9pm |
| Texas | San Antonio – La Cantera | 10am-9pm |
| Texas | The Woodlands – The Woodlands Mall | 10am-8pm |
| Virginia | Richmond – Carytown | 8am-7pm |
| Virginia | Richmond – Short Pump | 10am-8pm |
| Washington | Bellevue – Bellevue | 10am-9pm |
| Washington | Seattle – South Lake Union | 7am-6pm |
You can also find more information about the Capital One Café in your area by searching the locations on the Capital One website. Since the cafés range from standalone shops downtown to those in malls, the hours depend on the specific location. Our mall café doesn't open until 10 a.m.; however, the downtown Los Angeles locale is open from 7 a.m. to 6 p.m.
Capital One Café Menu
The menu at our Capital One Café in Houston included classic espresso and coffee drinks such as lattes and mochas. I enjoyed a simple oat milk latte, but there were interesting options, like their signature drink: the honey lavender latte. The coffee served is made by Verve Coffee Roasters. Some locations serve Peet's coffee, but according to Capital One, these will all be transitioning to Verve within 2024.
If you aren't a coffee drinker, there are teas, tea lattes, and non-caffeinated drinks like hot chocolate. Some unique options include a Tumeric Ginger Latte and a tasty “Dreamsicle Spritzer.” My kids loved this.
The cold drink menu was less extensive than what you'd find at a Starbucks, though. For example, I didn't see any blended iced drinks available.
The menu included tasty-looking food such as pastries and sandwiches. There were also grab-and-go items in a cooler available for purchase. The only food we purchased on this trip was a bag of chips and a warmed-up chocolate chip cookie, but the cookie was delicious. According to the Capital One website, the café's regular food menu includes flatbreads, quiches, and sandwiches.
It's important to note that the food and grab-and-go drinks are not discounted for cardholders. You'll only get that 50% discount on the handcrafted beverages.
Which Cards Will Get You a Discount at Capital One Cafés?
If you hold any Capital One credit card or even a debit card, you can get a 50% discount on handcrafted beverages. Here are some of our favorite Capital One credit cards that offer this perk:
- Capital One Venture Rewards Credit Card
- Capital One Venture X Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One Venture X Business
- Capital One Spark Cash Plus
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Related: Capital One Cards: Best-Ever Offers and When You Should Apply
Bottom Line
It's an interesting concept: part bank, part coffee shop. I definitely enjoyed the 50% discount for being a Capital One Venture X cardholder. The drinks were good. My kids liked the games available, which made for a pleasant stop while shopping.
It's worth a stop-in, and if it was on my regular commute to work, I'd be happy to use my cardmember discount for an en-route pick-me-up.
Have you been to a Capital One Café? What did you think?
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