Had only been here once before, many years ago when they first opened. Having the free time to visit again was such a treat. Upon entering you notice the two ATMs where you can easily pay your credit card bill or borrow money against it. Pass those doors and enter the cafe. Such a beautiful space; wide and open with additional upstairs seating and private work or study spaces. There is even a banking room to speak with financial officers about building wealth. I took it all in. Today was a good day because they had give-aways. Who doesn't love FREE stuff. Seed packets and a reusable water bottle were my gifts. "Love em". Now, let's discuss my treats. An iced lavender vanilla latte; not too sweet, made with good coffee and a real slice of warmed banana nut bread. Both for the price of one cup of something at that other spot. Why, because everything is half price if you have a Capital One Credit Card. "What's in your wallet"? read more

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All drinks are 50% off if paying with Discover or Capital One card! I don't think food is however. Lots of artisanal coffee options. Very spacious, well lit cafe with 2 levels to work or hang out in. There are 2 other Chicago locations but this one is the flagship. read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

I have always found this Capital OneCafe to be a nice respite - the location is so wonderful. I'm out shopping with out-of-town guests on State St, take a break at CapOne Cafe! I'm in the Loop for work or meetings, hang back at the CapOneCafe. It's quite a footprint - spacious and clean to get work done. I enjoy the drinks - their chai used to be my favorite but their coffee is good too. The seasonal cardamom ginger thing is oh-so-good! As a card member, you get everything 50% off - which is a huge plus. I wish they had more gf options in the bakery section. read more

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 read more

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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. read more

Capital One Café - Cute display - Banks & Credit Unions Near Me - Chicago, Illinois

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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. read more

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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. read more

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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. read more

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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 read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

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. read more

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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. read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

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. read more

Capital One Café - Cheese bugger, with drips of cheese all over it - Banks & Credit Unions Near Me - Chicago, Illinois

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. read more

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Honestly having drinks half-off for being a Capital One Customer is absolutely worth the stop here. The line was longer than anticipated due to only having two people working the front. If you don't mind waiting I would recommend stopping here to save some money. The sitting area looked clean and I enjoyed the aesthetic. I wouldn't mind stopping here again if I visit the area. read more

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. read more

Capital One Café - Honey latte - Banks & Credit Unions Near Me - Chicago, Illinois

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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. read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

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.... read more

Capital One Café - So much space !! - Banks & Credit Unions Near Me - Chicago, Illinois

Came in here for a drink before walking over to work with the team and loved the experience. It's set up so nicely with beautiful decor and branding everywhere including a gaming table in the back with connect 4, tic tac toe and more. The drinks were so yummy, i got an iced matcha and ended up also going for the ham and cheese croissant, both were delicious. The place was beautiful with 2 stories and lots of seating with big high ceilings, right on the corner when lots of nice window views. Loved it! Will definitely be back lol read more

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As soon as you walk in, you're greeted by convenient ATMs available not just for Capital One customers, but for other banks as well. The space spans two levels, offering a fair amount of seating with a mix of tables, booths, and plenty of charging stations throughout. The café features a wide variety of coffee blends beyond their house brand, along with an impressive selection of teas and hand-crafted drinks. They also offer pastries and snack-sized sweets to complement your beverage. The atmosphere is exceptionally clean--comparable to that of a hotel--with great views of the city. Located right in the heart of the shopping district, it's the perfect place to relax and recharge before or after a shopping trip. Staff in all areas were hands-on and highly helpful. Be sure to ask about their Capital One cards while you're there--they offer some great perks. read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

Good coffee and good deal for the 50% off Avocado toast was good, with microgreens on it. Service was fairly fast read more

Capital One Café - Avocado toast - Banks & Credit Unions Near Me - Chicago, Illinois

My first time at a capitol one cafe. You don't need the card, but you do get 50% on purchases at the coffee shop. Loved how it was clean, open space, and had great WiFi. Recommend if you're in the area and need to get some work done. All the staff are welcoming and there's good air conditioning during the hot days. read more

The place was good, but coffee tbh not my favourite. They only have med roast and it's horrible sour that made the taste of the coffee like idk what lol read more

Pretty awesome Cafe, conveniently located in the Loop. This is a perfectly cozy, clean place to get work done. It's a very large cafe, plenty of seats - whether you want a small table, banquette seating, or bar seating overlooking the sidewalk for good people watching. The coffee here is wonderful - Verve Coffee, complete with a full on baristas. When you use your Capital One card, you can save 50% on coffees here. And through the rest of the year, on Fridays & Weekends, you can get a handcrafted drink for $3!!! Nice. Wifi is free, the whole lounge is large enough with enough background noise to take a call comfortably, and hang out for a bit without feeling like you're taking someone else's table. read more

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

I have walked by this cafe so many times and finally decided to stop by one morning in need of coffee. 50% of coffee for capital one card members? Sounds like a deal. Plus they serve verve coffee which is my favorite!! It's so much better than some of the other coffee you would get at well-known bigger chains. The service here was great and there's plenty of seating available! read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

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Always great matcha drink and discounted for a Capital One card user! The breakfast croissant with bacon and egg hit the spot. Quick service and a great calm space to start your day! read more

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i love the Capital One Cafe on State Street. The people are so friendly. One suggestion more of a pastry choices. read more

Whenever I go to a new city, capital one cafe is a must go for the 50% off drinks!! It's a nice little perk being a capital one cardholder to get the discount. This time I tried a honey lavender iced coffee and I will have to say it's one of my favorite drinks I've gotten from a capital one cafe. I also tried the almond croissant and the breakfast club sandwich. I liked the breakfast club sandwich a lot, the ingredients in the sandwich worked well together but the only thing was that the sandwich was a little bit oily. When it comes to service, if you're just ordering a drink it will be quick but if you also have food, there'll be some time to wait as they heat up the food/set up the food. The cafe itself was nice and clean and there's plenty of seating on the 2 floors. read more

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Lovely cafe downtown! I have been a CapOne customer for a while but never got to visit any of their offices or cafes, so when my friend pointed it out I knew I had to try it. Plus, CapOne customers can get 50% off handcrafted drinks so yeah, we stopped by every day during our visit. I tried the espresso tonic, matcha lemonade, and honey lavender latte, all delicious! They have a limited selection of pastries so I didn't try those. They also have free pins you can take with you, and sometimes other swag like cookies and CapOne sunglasses. The cafe is quite large and bright, with large windows and two levels. Bathrooms are clean, and the whole place looked put together. Staff were nice, and there's of course ATMs and a bank side, plus information about their services. read more

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Why work from home when you can work from the coffee shop? Came in on a Friday to change up the scenery of working from home and was pleasantly surprised by the abundance of available tables, good Wifi, and of course good coffee from Verve Coffee Roasters! The honey lavender latte was so good and the service was fairly fast. If I could give any advice, be sure to check your table for an outlet before claiming a spot - outlets seem pretty scarce in some areas of the cafe. read more

Capital One Café - honey lavender latte - Banks & Credit Unions Near Me - Chicago, Illinois

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It's OK. it's ridiculously expensive for what it is and the food and beverage offerings are very limited but, the space is pretty nice and they have a lot of places to sit and work if that's what you wanna do. The baristas also seem nice. All in all it's OK. read more

This place makes me proud to be a capital one member, just so I can have that 50% off Peet's coffee. Came here every morning while I was in town for that perk. I love that there are plenty of places to sit and do work, and with a view of the hustle & bustle of Chicago. Service at the cafe was quick. You can also meet with a capital one representative for banking needs. read more

The drink we had weren't the best we've ever had, but they were good, and dare I say, better than the mermaid? lol If you're a Capital One card holder, drinks are half off so that was a huge plus. The cafe itself its really nice. Lots of seating upstairs and down with plenty of natural lighting. read more

Service was good. Ambiance was also good however the acai bowl just tasted like water. The coffee was also very watery. Nothing special about the sandwiches. Cost wise I wouldn't recommend unless you have money to waste. read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

My favorite place to study bc of the lighting and the how things are spread out btwn the 2 floors. The first time I got a matcha latte w almond milk here it blew me away. It was the first time in a while a cafe did it right. But since then, it's been hit or miss. Nevertheless I still love coming here to study or do work bc of the vibes. read more

I really enjoyed my experience at this café. The drinks were expensive but there is a discount for those with a Capital One card so it is an incentive to become a member. I was there for the weekly Coffee and Code group meeting every Sunday and the complementary snacks was a touch of good service. I felt relaxed in my surroundings. I was able to bring my computer to the café and work in my projects. There is good security for the guests but it could be stronger because I saw a few street people hanging around inside but overall, it is a good coffee shop to sit down in and enjoy good strong coffee. The views of the Chicago Loop are spectacular. read more

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Stopped here for a break while visiting Chicago. Life was half off but it's only on drinks. We did get pastry's and they were good but not exceptional. The service, ample seating on both floors and staff were great. Ambience is a clean fresh feel and I would go back but not in a rush. read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

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Such a good spot to sit and work. Peet's coffee is located within this cafe. Use your capital one card and you get 50% off your drink! The space is huge with two floor and many working spaces. You can sit at a table in the center or at one that views the street. The cafe is not too loud so it's a perfect spot to grab a coffee and do some work! read more

Capital One Café - Banks & Credit Unions Near Me - Chicago, Illinois

Barista was very kind! I appreciate the discount with my card, especially since prices seem to keep going up and up everywhere. Plenty of seating. Can be busy, but the price is so hard to beat. :) really recommend especially if you have a capitol one or discover card. read more

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