This is an updated and very well-deserved review!!! Yes, I ended up getting a Capital One card and I love their honey lavender lattes, but that's not the only reason I keep coming back. I really have to acknowledge all of the sweet and wonderful employees here who always make my day :) I'm greeted by the same familiar faces every time I walk in, and it's usually the same baristas making my drink most mornings. I came here once and honestly haven't gone to another coffee shop since lol. Thank you to CL and to all of the other Capital One baristas! read more

50% discount on most drinks if you pay with a Capital One debit or credit card. My Tonic Expresso cost $3.53 -------- Capital One is absolutely killing it. Fantastic airport lounges, amazing credit card benefits and cafe/co-working spaces!!!! The Capital One Cafes is made for people trying to get work done on their laptops. It's also set up like your usual tech office with lots of charging stations, couches as well as meeting rooms you can book if you have a Capital one credit card. Not sure if it's only today, but the Wifi here is unusable. Kinda ironic but it's so damn slow, I switched to my mobile hotspot. Most important thing to note which I'm surprised nobody has mentioned it: The men's bathroom needs immediate attention for renovation. The urinal is right next to a bathroom stall, but since the walls don't go all against the wall, when you stand at the urinal and take a piss you are straight up seeing whoever is taking a poopooo in the stall because of the strong light and strong reflection from the wall / bathroom tiles. I unwillingly saw an entire butt crack of someone when he started wiping. WTF. CAPTIAL ONE YA NEED TO REINSTALL A NEW WALL FOR MORE PRIVACY!!! read more

great co-working cafe -ample space throughout 3 floors -plenty of seating and tables in various configurations -some nooks can be reserved (capital one member perk/benefit) -restrooms on the basement level food -small bites -to go items drinks -standard tea and coffee options -i was able to bring my own cup for a hot tea beverage (yay for sustainability!) read more

Always nice to find a space that is relaxed, brightly lit and has a good café. There loads of choices for beverages, small bites and snacks for ordering. The baristas have become familiar faces and they recognize me (!). How nice is that! The seating & tables are on 3 levels! There is free WiFi too! I've run across international students studying in the café, convention-goers and also locals who I can chat with in a relaxed setting. This is also a Service dog friendly space! Love Capital One Café in my community (Downtown/Union Square/Western FiDi). read more

See all

Stopped in for an afternoon pick me up while shopping downtown and it hit the spot. Got an iced chocolate covered cherry mocha... decent, not too sweet, exactly what I needed to keep going. What makes this place worth knowing about is the Capital One cardholder perk... drinks are half price when you pay with your Capital One card. The SF location has plenty of seating though every seat was taken when I was there, lots of people with laptops settling in for a while. Staff was friendly and the space has a good energy. I also appreciate that there's a security guard at the front door... some may see that differently but for me it adds a sense of ease, especially when you're stopping in solo. A good downtown coffee stop, especially if you're a Capital One cardholder. read more

See all

If you're looking for a café that doubles as a calm, productive workspace, Capital One Café really delivers. I stopped by recently and ordered a hot matcha latte with oat milk, and it was exactly what I hoped for. The drink came out beautifully frothy and creamy, with that smooth matcha flavor shining through. Bonus point: it wasn't overly sweet, which I personally loved because it let the matcha taste come forward instead of being drowned in sugar. Service was impressively quick, but what stood out even more was the friendliness behind the counter. The barista was super patient while I took my time deciding and happily answered my many questions without making me feel rushed, always a green flag. The overall vibe here is very tech-forward and calm. Lots of outlets and a low-key productive energy in the air. It's also a huge space which means you can almost always find a table to settle in and get some work done while enjoying your drink. read more

Capital One Café - Matcha Latte - Banks & Credit Unions Near Me - San Francisco, California

Love Capitol one cafe! Been coming here for a couple weeks now. Love their vanilla matcha and lattes. There is free wi-fi, and if you have a Capital One or Discover card, you can get 50% off your purchase! What a steal! It's always very quiet and respectful inside. I'll continue to utilize this space as much as I can! read more

See all

Workers are very friendly and they have three floors! There are many spaces to work in and most people here have their computers and are working. A nice cafe perk when you have the capital one card. read more

This has been the best establishment in Union Square! It's a cafe that offers you the usual coffee shop items while also providing you with an ample workspace. Divided into 3 floors, there are plenty of working areas you can choose to work from. The only thing that does require a CO membership is the ability to reserve a Nook. Super easy to do via the CO mobile app. Staff are super friendly and always willing to help you. Overall a great experience for just about everything you might need to do. read more

Great place to pop in & take a break. * Location: 3 spacious floors with tables, seating, couches, & booths. Clean & well-maintained space, security & welcoming staff posted at the entrance. * Staff: Cafe staff & baristas are friendly and keep the queue moving. * Drinks & Food: Full cafe menu, small pastry case, small selection of ready to eat snacks. Tip: Discount on coffee & tea drinks if you use your Capital One card. Sweet deal & great place to catch your breath or do some work. read more

See all

I love stopping by the Capital One Café downtown San Francisco. I always get lattes here, and they're consistently great. The location is spectacular, right in the heart of downtown, and it's a perfect place to relax, work, or take a break while walking around the city. Great coffee, great atmosphere, and a beautiful location - highly recommend. read more

Capital One Café - Hot in the - Banks & Credit Unions Near Me - San Francisco, California

I decided to take advantage when there was a deal for a free drink every Monday during baseball season, but I felt really bad for the baristas, who seemed understandably stressed out. Around 4:50pm the day I went, they were out of almost every syrup, so I ultimately ordered the caramel latte. I thought the drink was decent as you can taste the coffee, but it's not too unpleasantly bitter. It's a little sweet, but also almost sour, not sure if that's just how the Verve Coffee tastes. Not particularly memorable outside of that though. read more

Capital One Café - Caramel latte - Banks & Credit Unions Near Me - San Francisco, California

Still a great place to work with fast Internet but I can't handle the drinks... I had no expectations but this latte i have rn is so bad i am struggling to drink it :( (ive had their matcha latte before and it was mid too) read more

Located in financial district San Francisco, this is one of the best places to work remotely. Lots of students and digital nomads. I didn't take photos but there are 3 levels to work from and private spaces you can reserve, ideally ahead of time. Service is always great, they have an info booth. The baristas will always fill your water bottle with tap water. If you buy coffee with capital one card, it's 50% off . I bought 4 bags of coffee beans on holiday sale and they gave me latte for free and some chocolates coated cookies. I love this place! It's my go to for working as there are plenty of power outlets to plug in a laptop. There is also a lot of good food nearby and close to BART stop Powell or Montgomery. read more

The ambiance is SUPER nice, and there are three levels of studying spaces. If you prefer a quiet setting, the bottom floor is perfect for you. I got the tart cherry matcha tonic (seasonal), and my friend got the iced matcha latte. I was skeptical about getting the cherry because I didn't know how that combination would taste, but it turned out pretty good! The cherry doesn't taste artificial like medicine at all. The drinks were made quickly, and the barista was very nice. Would definitely come back here!! read more

Great working space with solid coffee! This Capital One cafe is pretty large with 3 floors of seating as well as a coffee bar with pastries, toasts, and verve coffee. It can get busy on days when they have promotions (I've seen free drinks of Mondays with MLB summers or $1 drinks Fridays) but generally if you're a Capital One owner, drinks are 50% off. Definitely a good place to work, if you want to just grab coffee just be aware the line can be long! read more

Capital One Café - Banks & Credit Unions Near Me - San Francisco, California

One of the larger Capital One cafes I've been to! There were a lot of people inside working and the coffee line wasn't too long around 2 pm. If I needed a space to work, this would be the spot. Honey Lavender Latte - a little sweeter than other locations but still a solid latte. I appreciate the verve coffee beans they use. read more

Capital One Café - Menu 8/2025 - Banks & Credit Unions Near Me - San Francisco, California

See all

Between a partnership with Taylor Swift and pop up cafes serving iced lattes, I'm starting to think Capitol One's target audience is me. Capital One Cafe successfully mixes the boringness of banking (I said what I said) with caffeine. This hybrid coffee shop/bank is two stories filled with comfortable seating, electrical outlets, and everything you might need to complete a day of work. I specifically loved that they have a full food menu with sandwich options, avocado toast, and baked goods. I ended up ordering a green smoothie and a yogurt parfait for a quick morning bite. Both were packed with nutrients and helped start my day off right. Highly recommend checking this spot out when you're in the SFO area. read more

See all

My sister and I were in SF for the week and this was our first stop in the City. There was a line of ~5 people waiting to place their order and a crowd of ~10 people waiting for their drinks when we arrived. There are more Capital One bankers (I counted at least 5 standing around) waiting to speak with potential clients than there are baristas. There was just 1 lady working the register and 1 gentleman making drinks when we visited. I'm sure they get overwhelmed on Mondays due to the promotion so bring your patience accordingly. I ordered a Hot Mocha and it was just the right of amount sweet. It really got me amped for the day so the combination of caffeine and sugar did its job. Capital One cardholders receive 50% off all drinks. They are also running a promotion on Fridays where all drinks are $3.60 to promote their 360 Checking accounts. read more

See all

Gets crowded at times, but I appreciate the place to do work and grab coffee. Half off on drinks for capital one card holders. A good amount of tables and outlets on all three floors. Only thing I wish is better wifi. It barely hits 5mbps. My phone's hitting 500 over here, so yeah. read more

See all

The Capital One Cafe is the perfect café/workspace hiding in plain sight. Good Wi-Fi and a number of places to set up your laptop and get some work done. Also, there are meeting rooms to use for that quick place to hash things out with a couple of other people. The café serves up a good number of drink favorites, both hot and iced. I like the iced Caramel Latte with plenty of ice. It's prepared hot so it needs a ton of ice to cool it down. For something piping hot, I like the Hibiscus Bergamot Bowl of Soul and the Vanilla Rose Latte. Most of the time, there is a very short wait in line, and my order is picked up in a minute or two. On the rare occasion that there is a long line, it still goes faster than anticipated because they crank out drinks at a pretty good pace. read more

See all

I ordered their Honey Lavender Latte, which happens to be their signature drink and wow it absolutely delivered. They use Verve Coffee and I had it made with oat milk. The balance was spot on - not overly sweet, no artificial floral punch, just a smooth espresso with a subtle hint of lavender and gentle honey notes. This is definitely a drink meant to be enjoyed hot, especially when it's chilly outside, pure comfort in a cup. Shoutout to the server, who was genuinely pleasant and serving drinks with a smile (which honestly makes a difference). Service was quick and efficient without feeling rushed. The café itself is spacious with plenty of seating, making it great whether you're catching up with friends, working remotely or just vibing solo. They even have reservable meeting rooms, which is a big plus if you need a quiet space for work or small gatherings. Great coffee, warm service, and a well thought out space - this place checks all the boxes. read more

Capital One Café - Honey Lavender Latte with oat milk - Banks & Credit Unions Near Me - San Francisco, California

See all

What a nice spot honestly. My only wish is that it was open on weekends too. This is a 3 floor cafe and it seems like finding a seat was never a problem. I've gone a couple times now and it was so nice. Drinks come out at a reasonable pace. I would just say don't order any hot food here. It's just mid. The space overall its great. It's clean, bright, and you don't feel clustered. I'd definitely come back. read more

I really enjoyed this spot! They currently have a deal where you can get free drinks on Mondays with the MLB Monday pass (look it up online and add to apple wallet). I was expecting the coffee to be subpar but it was delicious! I ordered an iced mocha and my friend got an iced vanilla rose latte -- both were creamy, rich and flavorful. There's SO many tables and as far as I saw 3 floors. I was working in the basement and it felt like a college library since everyone else there was working on laptops too haha. Would definitely be back for the working space. There's also free wifi, tons of outlets and lots of different seat options. read more

Capital One Café - Iced mocha - Banks & Credit Unions Near Me - San Francisco, California

Saw on instagram that Capitol One Cafe is running a promo from 5/19/25 - 9/22/25 for a free drink every monday for the MLB season! Hop over to their Instagram to get the coupon code. Works on any drink on the menu. Walked into Capitol One Cafe, super nice, has security, clean. Ordered at the front, quick, easy and fast. Lots of people working or studying in the cafe. Nice little free treat! read more

See all

Capital One launched free coffee Mondays and it's so worth it to grab a latte & work from their coworking spaces. There's 3 floors of seating and people constantly coming in/out. Even though it was super crowded, my friend and I were able to find spots next to each other in the afternoon. Their vanilla rose seasonal was super yummy! I loved that the flavor was exactly as described. Definitely will be coming back :) read more

See all

This is a huge cafe with lots of charging points and meeting rooms. Ideal for working or studying. Be sure to book a room in advance through the capital one app (only available for capital one card holders) if you need some quiet space for meetings and such. It does get chilly sometimes so i make sure i have a scarf with me. Coffee is meh. But half off for card holders. read more

Had the signature drink which was decent. Plenty of seating, however it can be a struggle to find spots with outlets as they tend to fill up fast. Friendly staff. Relatively quiet (keep in mind you're still in the middle of downtown SF) if you're on the second floor or basement, but first floor can be a bit noisier as there are more people taking calls/talking. read more

I used to camp out here as a student, taking full advantage of their cheap Peet's drinks and free wifi. Now, even as a visitor, I love coming back to meet friends, grab a Verve coffee, and have space to hang. There are three floors with a wide range of seating arrangements, designed to invite people to stay a while; a true rarity when most cafes are removing tables and chairs altogether. They're doing it right in creating a space for community here, especially with all their special events and promotions. Yes, it's a bank, but not once have I felt pressured to join or do any banking activities. It's just a nice third space to get a good latte and maybe catch up on some emails. read more

Capital One Café - Banks & Credit Unions Near Me - San Francisco, California

See all

I love this café especially when they give out free promos online! 50% off all drinks if you pay with a Capital One card. It's a big spacious workspace that's free also. Follow them on IG and maybe you'll be served an ad for a free drink too. Note that this place is closed on weekends and holidays. Last year, they updated their café partnership, so now they serve Verve coffee (instead of Peet's), which is even better. read more

See all

Despite the long line the baristas got everything moving very quickly. My hot chocolate was delicious with fresh whipped cream and cinnamon on top. The cafe is huge with lots of natural light and good seating. My boyfriend also enjoyed his matcha. read more

Capital One Café - Matcha - Banks & Credit Unions Near Me - San Francisco, California

Turmeric ginger latte is great. Half off drinks. Clean tables and shop. Very spacious read more

Capital One Café - Banks & Credit Unions Near Me - San Francisco, California

great vibes for working here! there are 3 storeys with plenty of seating, free wifi, restrooms, and even meeting/private rooms. the cardamom ginger matcha soy latte was decent but not enough cardamom or ginger or matcha. the apple cider was normal, a bit too sweet. but they gave me a free chocolate gingerbread man :) read more

Capital One Café - apple cider vinegar - Banks & Credit Unions Near Me - San Francisco, California

See all

I came here on a Friday morning for a quick work-session and WOW my expectations were blown away. This is by-far one of the best cafes to work at in the city. With bookable meeting rooms, free wi-fi, at least 20+ tables with nearby outlets, and a selection of discounted drinks for Capital One members, this cafe really knocks it out of the park! Ordered a matcha latte with oat milk for less than $5 to accompany my worksesh. The staff is very friendly and they even have a security guard at the door. read more

Capital One Café - Matcha Latte with Oatmilk - Banks & Credit Unions Near Me - San Francisco, California

See all

So I've been seeing capital one cafe commercials but had not seen one in person...until my last trip to SF. The cafe is clean, nice, and spacious. It has 3 floors for people to come and hang/work. There are even private rooms for conference calls or meetings. The music isn't too loud, and it's quieter on the bottom floor. We got 2 drinks, and both were good! The drinks default to whole milk, and there are alternatives. The fact that they're 50% off is the cherry on top. That's a deal. No where else can you get this sort of pricing. We wished one would be closer to us! Also, how thoughtful is the free ornament for the holidays! read more

See all

Why why are u sitting at capital one cafe still ..bank op cafe ..nice place to sit ..ten years ago ..already got coffee

I'm feeling frustrated when I come here on Mondays to redeem my free drink during the MLB season as a Capital One card holder. 8 people in front of me in the line today obviously a friend group and not Capital One cardholders, but all got the coupon cause one of their friends shared it. How do I know? Because one girl asked whether she can get a food item and her friend said only drinks. Also, I asked my 2 coworkers and none of them are card holders. I asked a few friends and told them about the deal but they're also not card holders. How could a group of 8 friends all be cardholders?! Impossible! I told the barista after they all ordered and asked her if she ever asked if they're card holders and whether they're showing her the card like I was doing. She said they all have the coupon and dismissed my concern. I said the coupon is only for card holders. Obviously they got the QR code from their friend and committing fraud to get the free drinks but no one cared. I feel very frustrated coming for my free drinks every Monday cause it's a long 20 mins wait due to all these fraudsters. When I went to the NBA all star experience, the American Express one actually checked whether everyone in line has a card or with a guest who has a card. My friend got free snacks and drinks at the snacks counter and had to show her card, but I could only go inside as her guest and couldn't get anything. I also lowered my stars because they're suddenly closing on Thursdays without any announcements. Good thing I saw the change of hours on Yelp. I think there need to be more signage about the new hours at the cafe. read more

Sweet spot to get a coffee fix! I usually go for the vanilla rose latte or a cappuccino and they've been pretty consistent. Service is not the fastest however so keep that in mind. The space is great for working or if you need to grab a coffee on the go. They serve Verve here which is a plus! read more

Capital One Café - Banks & Credit Unions Near Me - San Francisco, California

This is a large Capital One cafe (in comparison to others). It is three floors of workspace. Even with three floors it can be hard to find an empty table if you are arriving during "prime time." Right now, Capital One is running free handcrafted beverages from 5/6/2025-9/22/2025 on Mondays, and so Mondays can be especially busy. You do the need QR code to receive a free drink. I highly recommend the Sparkling Matcha Ginger Lemonade. There are also a ton of outlets! I will definitely be back! read more

Capital One Café - Banks & Credit Unions Near Me - San Francisco, California

It would be plain old ungrateful to downgrade this cafe. Here in the supposed Doom Loop the place is a laptop village. Normally I'd complain about this, but that's the stated purpose, to provide a place to sip your coffee, visit friend or get work done. People, this place is free to anyone, not just Capital One cardholders. My only gripe is they didn't toast the Avocado Toast. Seriously, this seems to be a thing, not toasting a product named Toast. Sigh. Anyway, it was packed at 10am, managed to find an empty table upstairs & dug into my Avocado "Toast". (But how do I really feel)!? 5 stars for presentation, compostable containers not so much, but quite functional for the grab-n-go crowd. Pretty good flavor, could use a little punch, like pickle the radish or add some chili flakes. 5 stars for the sleek modern environment. Staff super friendly and so very busy they forgot about my order. After a long wait a guy tracked me down & presented a card for a free custom beverage of choice. Classy, all is forgiven. The space is huge, ground level, plus upstairs tables & downstairs lounge & conference rooms. You can stay here all day if you want. The menu is spot on for breakfast, but don't expect fried eggs & bacon, rather sandwiches, pastries & lots of coffee & tea options. Extra points for location, only a couple blocks from MUNI. While I'm here I talked to the Ambassador (greeter/info desk) & got advice on replacing my old credit card. Sadly, you can't customize the design anymore, & I've been walking around with my 15 years ago face on the card. Time to grow up. I recommend the laptop village move here so the city's many cafe can stay in business actually selling food, not free WiFi. Capital One Cafe is destination worthy. I'll be back. read more

See all