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    Capital One Café

    4.0 (106 reviews)
    Open 7:00 am - 7:00 pm

    Services - Capital One Café

    Personal banking

    Capital One Café Photos

    Business Info

    From this Business

    CAPITAL ONE CAFÉ ATMOSPHERE

    What's the vibe?
    Dogs allowed
    Good for working

    Recommended Reviews - Capital One Café

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    Cookie
    Anthony D.

    Great place to do work and even better if you have a Capital One card. I tried the Maple Cinnamon Latte which was a tad sweet, but still good. The Cookie was overpriced and a bit hard. Staff is very friendly and everything is clean

    Cute display
    Alvina C.

    When you need a pick me up and it's discounted or free! Please and thank you! I'm a fan of free WiFi and the different drink promos they run regularly...which can be anywhere from range from discounts with your capital one card, daily specials, free Monday drink promos etc! They have a decent selection of drinks which include coffee based, matcha based, teas, and lemonades. I've most recently tried their signature Honey Lavender Latte, but have had many different ones and they are all pretty decent! Especially on free drink days bring your patience as staff are efficient and trying to serve the droves of office dwellers, students, and general tourists. There is free WiFi and a nice amount of seating available depending on the time of day. I enjoy during nicer weather the windows open up like a foldable garage door letting in some fresh air to the space! Also love that you do NOT need to bank with Capital One to partake in all the cafe has to offer.

    Cold atmosphere at Capital One
    Mare C.

    Nothing special about this location, the atmosphere is kind of cold and stark looking. If you want to go upstairs there's a lot of stairs to climb or you can take their elevator in the back which I didn't see at first. Ordered a large caramel latte, that was half-off with the Capital One card, $3.37, but it's only 16 oz. Dunkin' Donuts large is 20 oz. and it looks like a large, for about the same price and it's NOT half price off! Was disappointed by this experience. Coffee was just ok, nothing special. Another thing I don't like is, when you pay with your card it automatically asks if you want to leave a tip, and displays a few amounts you can choose from. Why should I tip somebody who just hands me a cup of coffee and doesn't bring it over to my table. No thank you! This is a very corporate type coffee shop, all about efficiency and low on value and ambiance.

    Sunny P.

    Was so excited to finally try a capital one cafe now that I have their credit cards. The 50% off drinks alone makes it totally worth it. I got the biggest size honey lavender latte for just $3 and it was actually really good!!! It was gone in 5 minutes haha. The space is super modern and clean. Lots of people were working or studying. Upstairs they got private study rooms, couches, desks, and charging ports too. If I lived in the city I'd definitely come here to work or hang out. Highly recommend checking it out! Will be back.

    Jpb T.

    Awesome Concept! If you have a Capital One or Discover credit card everything is 50% off. I travel frequently and will be looking for Capital One Cafes in the future to satisfy my caffeine addiction and for lunch. The food and drink quality is at our better than their competitors. I came on Sunday January 4, 2026 around 10am.

    Julia S.

    I will say, if I were to judge this cafe by the quality and price of the food alone, I'd rank it 4 - 4.5/5 stars, but the customer service was terrible. One of the reasons I opted for Capital One Cafe over a local shop was because I am a Capital One customer and customers get drinks half off. However, the cashier and baristas felt like they really didn't want to be there -- almost as if it was annoying that there were customers. I didn't mind the 5-10 minute wait, but I could tell that the workers were over it. As far as coffee goes, I had a hot caramel latte with whole milk. It was well sweetened (not too sweet, not too bitter) and just the right temperature. I also got a warmed chocolate croissant and it was ooey gooey goodness (heavy on the chocolate!) The space is fairly big with plenty of seating - tables for 2, stools at the window, and booth style seats on the first floor. It appeared as though there may have also been a 2nd floor, but I didn't venture up there

    Darren H.

    Love the Capital One stop for a quick ice coffee and pastry. The service was relatively quick and friendly. The bank / cafe is a nice place to grab a quick bite.

    Jay B.

    Very disappointing experience. The service was extremely slow, and they even got my order wrong. After waiting quite a while, I was finally told they never even put it in. On top of that, the place felt dirty--there were multiple workers around, but no one bothered to empty the overflowing trash. The only positive was getting half off coffee with my Capital One membership, but honestly, that alone doesn't make it worth coming back. I wouldn't go out of my way to visit this location again.

    Cheese bugger, with drips of cheese all over it
    Abrahamsson E.

    This cheeseburger is pure indulgence done right. Juicy, perfectly seared beef stacked with layers of rich, molten cheese that drip with every bite, topped by crispy, smoky bacon for the perfect crunch. The soft, toasted sesame bun holds it all together without stealing the spotlight. Every mouthful is bold, savory, and deeply satisfying a messy, glorious burger that clearly wasn't made to be modest. One bite in, and you already know you'll be thinking about the next one.

    Lobby
    Betty H.

    Located on the corner of S. State St. & W. Monroe St. next to Champs Sports Store. As Capital One customers, we always make sure to visit their Café when we see one, especially because we get that 50% off perk if we pay with our capital one card. The café is spacious with plenty of seating and nicely organized. Today, we ordered a hot 'Chai Tea Latte' and a regular hot cup of coffee. The latte was a bit watery and not enough chai flavor for my taste, but the coffee was fresh. Staff was friendly and welcoming. Overall, we had a good experience at this location.

    Honey latte
    Jahnik D.

    The cafe is really nice, quiet & clean. I ordered a iced honey latte & it was very good. I discovered "honey" coffee drinks a few yrs ago & now i try to taste them whenever i see them on the menu! As a Cap1 card holder you can get 50% off drinks. Regular price was about $8...it came out to about $4 with discount. I saw online that you can also get a free drink on Monday's, i forgot to confirm this however. For the most part the staff were friendly, there are greeters walking around the downstairs area whom greeted when you come in & out. However, I approach the table in front of the coffee stand and sat my drinks down. Without acknowledging me, first, asking if I needed assistance or anything a heavy set guy that was sitting at the table said "this table is for banking". I wasn't sure he was talking to me & when i looked up he repeated it, again...didnt ask if i needed help or anything. 1. There's no signage that says that table is only for banking, as there is a banking area with seating right behind it. Which you also wouldnt know was only banking services. 2. That's not a way to approach a customer. Regardless of if i was banking or not. No one else was sitting there beside him & someone i assumed to be his friend eating chips & using the charging stations. Didn't really appreciate this interaction & will probably avoid this location in the future. Date of visit was 5/13 approx 3p, I left around 4:30pm & he was still sitting in the same spot, servicing no one & also not offering greetings like the rest of the staff. I was vlogging so I'm sure i captured him in the background but unsure of a name.

    Rebecca B.

    I tried out Capitol One Cafe on State on a Saturday morning! It was busy and they seemed to keep getting behind. I wasn't in a rush, so I didn't mind. I actually was on a walk to explore the city and I was getting a hot drink to ear me up from the Chicago wind! The coffee was ok but there was no foam on top and there wasn't really anything special. I didn't seem like a trained barista actually made my coffee. At little disappointing.

    So much space !!
    Brian C.

    Half off capital one coffee Had no idea Space is amazing and spacious If you're waiting for a plane or just meeting someone it's the perfect spot There's 2 floors of huge window space We got matcha hot coffee avo toast Espresso machine was broke but I'm sure they'll get that fixed soon I need to find the bathrooms but I can't find it yet....

    Team capital one shopping!

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    3 months ago

    We had yummy breakfast sandwhiches and delicious lattes and super close to our hotel. Very reasonable prices!

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    1 year ago

    Swung by here 3 times during my work trip. Service for the conference rooms went well. Drinks work just fine.

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    Capital One Café Reviews in Other Languages

    Ask the Community - Capital One Café

    Does this Capital One Cafe branch offer notary services to Capital One account holders?

    No.

    Have they opened for indoor seating?

    Definitely not.

    View All 3 Questions

    Review Highlights - Capital One Café

    Downstairs has a Peet's coffee and purchases are half off to anyone using their Capital One credit card or debit card.

    Mentioned in 15 reviews

    Read more highlights

    TARY Coffee - Cottage Cheese Pancakes with Balkaimak Cream

    TARY Coffee

    4.4(203 reviews)
    0.7 miRiver North, Near North Side
    $$

    What a place. This is so much more than just a coffee house. Tons of options, great ambience, and…read moregenuinely kind people. We started with a mocha, a solid, well-balanced drink that wasn't overly sweet and was just perfect. We didn't plan on eating here, but the menu was way too tempting. We ordered the cinnamon roll, and wow. This was insanely good. Most cinnamon rolls in the U.S. feel like sugar-heavy, cinnamon-flavored buns, but this one was light, flavorful, and beautifully made. The irimshik on top really elevated it, subtle, warm, and just sweet enough. Easy 10/10. Next was the cottage cheese pancake, which was also very good. It had a generous amount of cottage cheese stuffed inside, and paired with the sweet irimshik dip, the dish came together really well. 9/10. We then tried the qattama. It was good. flaky, crispy, and reminded me of a paratha. It came with a sour irimshik dip. While each component was good, I felt the qattama would shine more with a gravy-based dish. 7/10. Finally, we ordered the Nan Salma pasta. It's a tarry-based white sauce pasta with a unique flavor profile, and it was genuinely yum. Definitely something different and worth trying. Highly recommend it. 8/10. You have space to sit down and work as well. Service was good too. Some of the dishes might take 7-10mins to get prepared. It's not like your daily coffee shop who have stuff ready to go Overall, a great spot with unique food and a welcoming vibe. Definitely coming back. 9/10

    we tried the blueberry matcha. their matcha tastes high quality and they say it's ceremonial grade…read morewhich i believe. i think some places say theirs is ceremonial grade when it isn't. so we really enjoyed the quality of the matcha and it was the perfect amount of sweet from the blueberry. we also tried baursaq which is the fried dough bites. it tastes like a light donut ball. it's not heavy or greasy at all. they give you a dipping sauce which tasted like strawberry to me. overall a really clean and simple lay out for the shop. very minimal and upscale. it's not super busy and loud so it's a nice place to sit in and enjoy your drinks and maybe do some homework/remote work. i only gave it 4/5 just because the drinks were a little pricey but i think that's the norm now as well. hard to find drinks under 8$ these days.

    Photos
    TARY Coffee - Interior

    Interior

    TARY Coffee - American with oat (poured) and a Cinnamon Rollcinnamon

    American with oat (poured) and a Cinnamon Rollcinnamon

    TARY Coffee - Cottage Cheese Pancakes with Balkaimak Cream

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    Cottage Cheese Pancakes with Balkaimak Cream

    Caffe Umbria - Hot chocolate

    Caffe Umbria

    4.4(378 reviews)
    0.6 miRiver North, Near North Side
    $$

    Got the hot honey oat latte. This latte was amazing. Super nutty with a nice foam on top, and the…read moreflavor was really balanced. Not too sweet with the perfect amount of bitterness. The space is cute but on the smaller side, so not ideal for long stays. Service was great though, the server was smiling and really welcoming. They're known for their Italian-style coffee blending, using beans from different regions around the world to create a more balanced and complex flavor, which you can definitely taste in the drink.

    Caffe Umbria was exactly what I needed that morning. It was cold, wet and I wanted something hot,…read moresimple as that. Small and cozy spot. The kind of place where you slow down without trying. The staff was genuinely nice too. Asked how my day was and even recommended couple of pastries. I ordered a hot chocolate with an almond blueberry financier. The hot chocolate was honestly perfect. Rich but not heavy. You get that dark chocolate hit first, then it smooths out. Creamy. Warm in the right way. The financier was great. Nutty from the almonds, little bursts of blueberry, soft but not mushy. I dipped it into the hot chocolate (had to), and yeah... even better. No regrets there. It's a small place, but if you get there early, you might grab a seat with a really nice city view. Worth it. I'll definitely be back. Especially now that I know there's a solid hot chocolate spot right nearby.

    Photos
    Caffe Umbria - Coconut cloud (amazing!!)

    Coconut cloud (amazing!!)

    Caffe Umbria - Coconut cloud

    Coconut cloud

    Caffe Umbria - Hot vanilla latte

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    Hot vanilla latte

    Capital One Café - banks - Updated May 2026

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