Business Details
About
Coffee ShopBankATM
Capital One Cafés are part bank, part café–all in one place. Everyone’s welcome, whether you bank with us or not. Come in for everyday banking and in-person support from Ambassadors. Café ATMs are fee-free for Capital One Checking account holders to get cash, deposit cash or checks, check their balance, or pay a credit card bill. Enjoy world-class coffee from Verve Coffee Roasters and an all-day food menu. Get 50% off handcrafted beverages every day when paying with a Capital One or Discover debit or credit card. Settle in and enjoy free Wi-Fi and comfortable spaces for working, meeting or taking a break. You can even work toward money goals with free-for-everyone financial literacy events and workshops. Capital One N.A., Member FDIC.
Details
- Dine-inAvailable
- DeliveryNot available
- TakeoutAvailable
- Requires appointmentNot available
Location
Hours
Reviews
4.1
133 reviews
5 stars
86
4 stars
14
3 stars
9
2 stars
7
1 star
17
- FWFrankie WritezNov 16, 20253.0Capital One Cafe is currently running a promotion where Digital Wallet Pass users can get access to a FREE Coffee Pass to redeem until 12/31. I used this as an opportunity to not only enjoy a FREE coffee but to try Capital One Cafe for the first time. I’ve had friends introduce the place to me before, since then I’ve been to this Cafe twice. I didn’t expect the cafe to look to beautiful on the inside the first time I came. It’s a nice banking/cafe where people can come in to work, hang out, and enjoy the peace and quiet. I noticed many people there on their laptops working which lets me know this cafe is targeted for this type of atmosphere. I’ve visited twice. Shirley helped me the first time. She explained to me how the Coffee Pass worked, which drinks were included and that I could even try seasonal drinks with the pass too! She made my mocha generously FULL which is why I had to use two cups haha. Thanks Shirley for the extra coffee! The mocha was really good, I could have used a little sugar but overall I really loved the foam mixed with the flavor. I had to come back and get another one! The second time I came in, I didn’t see his name tag, but he wasn’t as kind and helpful as Shirley. He was more pushy and rude. I got another Mocha this time. I enjoyed it. I would come back for the coffee but maybe not the customer service.
- AMAvery MarseNov 8, 20252.0I entered this Cafe shortly after opening time this morning because I needed to update some information on my account. I was assured that this would be not problem and sat with a representative who proceeded to call a specialist. I had brought all necessary documentation but was informed that my account could not be updated until I sent the documents over via snail mail, despite presenting the documents physically in person. They could not submit them on my behalf, nor were there any options to upload them online. This has been far more of a hassle than the initial setup of my account and with no physical branches in California and requiring physically mailing sensitive documents in 2025, I'm seriously considering leaving Capital One altogether. This experience has left a sour taste in my mouth in regard to dealing with this company.
- JLJian LiangOct 26, 20254.0Food and drink are really decent. But during the weekend, the place is so packed. And it took us a long wait time to get a drink.
- HTHarry TripletAug 31, 20255.0Normal location but there is no 24 hour ATM Access/ must use ATM during business hours which according to the site includes operations on sunday
- JJJDiologyyy!Aug 30, 20255.0Awesome spot!!!!!
Frequently Asked Questions About Capital One Café
What is a Capital One Café?
A Capital One Café is part bank, part café–all in one convenient and welcoming space. Come in for everyday banking, in-person support from Ambassadors and handcrafted beverages from Verve Coffee Roasters. The Café offers free WiFi and cozy seating for all, plus most of our locations have extended and weekend hours. You can even work toward your money goals with free events, workshops and one-on-one Money & Life mentoring. Visit any of our 60+ locations nationwide whether you bank with us or not. Everyone’s welcome.
Can I come to a Capital One Café if I’m not a customer?
Whether you bank with us or not, everyone is welcome to come in for coffee, relax and recharge at our 55+ Cafés across the nation. Every Capital One Café location is truly a community space that offers both financial and social events to support your everyday well-being.
Will you try to sell me something at a Capital One Café?
No. Café Ambassadors are there to support you, not sell you. If you do have questions about products or services, they’re happy to answer them, but you can expect a sales free environment in all Capital One Cafés.
What can you do at a Capital One Café?
Get in-person support for your banking questions from our friendly Ambassadors all while enjoying your favorite beverage, an all-day food menu and comfortable spaces for working or taking a break. Open an account and explore other products and services in a no-pressure environment. Or, enjoy free-for-everyone programs and events to support your financial growth. The choice is yours.
Do Capital One Cafés have food or just coffee?
Yes, there’s a variety of food and beverages served at the Capital One Café.
Featuring craft coffee and a full-service coffee bar from Verve Coffee Roasters [https://www.vervecoffee.com/], teas and more, the Café is your new favorite “coffee spot.” The food menu features breakfast, lunch, snacks, and to-go items to keep you full while you sit and work or if you’re just stopping in for a quick bite.
Do Capital One Customers get perks at the Café?
Yes. While everyone can take advantage of all the things that Cafés have to offer whether you bank with us or not, Capital One customers can get 50% off handcrafed beverages every day when using a Capital One debit or credit card. Account holders of any Capital One product (18+ years of age or older) can reserve semi-private nooks available within almost every Café.
Can I open an account at Capital One Café?
Yes, through our self-service option, you can apply to open an account at a Capital One Café. Chat with a Café Ambassador and they can help you get set up.
How do I bank at a Capital One Café?
Capital One Cafés offer a modernized, friendly approach to banking that provides a low pressure way to get support. While we don’t have traditional bank tellers in our Cafés, customers can use our self-service options to get everyday banking done., even on the weekend. Ambassadors are on hand to assist you along the way with your banking questions, and can even help you apply for an account. Capital One Checking account holders can use Café ATMs fee-free to check their balance, deposit or withdraw cash, make credit card payments and more. Come in for everyday banking–stay to enjoy a handcrafted beverage. You can also:
- Replace, reissue or activate your debit card
- Lock and unlock your debit card
- Change your debit card PIN
- Receive sign-in support
- Update account information like your address, phone number and email address
- Place or remove a stop payment on a check or ACH
- Request duplicate tax forms be mailed to you
- Order a checkbook
Are there ATMs at a Capital One Café?
Yes, there are self-service ATMs available at all Cafés that are fee-free to Capital One customers. You can use them to deposit cash, deposit checks, pay your credit card bill and more. Not a customer? There’s a small fee to use the ATMs.
Can you reserve space at the Café?
Account holders (18+) can reserve a nook—a private workspace with tables and outlets—when they’re in the Café or from their Capital One mobile app. When in the Café, visitors can scan the QR code on the door of the nook to access the reservation portal to complete their booking. As of December 2024, account holders can make reservations in the Capital One mobile app by searching for their preferred Café, viewing the details of that Café and selecting "Reserve a Nook" to access the reservation portal.
What is a Capital One Café?
A Capital One Café is a combined bank and café offering everyday banking support from Ambassadors and handcrafted beverages by Verve Coffee Roasters, with free WiFi, cozy seating, and free financial workshops. Everyone is welcome, whether you bank with Capital One or not.
Can non-Capital One customers visit the Capital One Café?
Yes, all are welcome to visit and enjoy coffee, relax, and participate in financial and social events at Capital One Cafés—even if you don't bank with Capital One.
Does the Capital One Café sell food or just coffee?
The café serves a variety of food including breakfast, lunch, snacks, pastries, along with craft coffee, tea, and other beverages from Verve Coffee Roasters.
Are ATMs available at the Capital One Café?
Yes, self-service ATMs are available at all cafés and are fee-free for Capital One Checking account holders for deposits, withdrawals, balance checks, and credit card payments. A small fee applies to non-customers.
Can I open a bank account at the Capital One Café?
Yes, you can apply to open an account using the self-service option at the café, and Café Ambassadors are available to assist with the process.
What are the typical hours of operation for the Capital One Café at Irvine Spectrum Center?
The café is generally open 9:00 AM to 9:00 PM Monday through Wednesday and Sunday; 10:00 AM to 9:00 PM on Thursday; and extended hours 9:00 AM to 10:00 PM on Friday and Saturday.
What special perks do Capital One customers receive at the café?
Capital One customers receive 50% off handcrafted beverages daily when paying with a Capital One or Discover card and can reserve semi-private nooks within most cafés for a comfortable workspace.
Are there nearby places I can visit before or after my visit to Capital One Café at Irvine Spectrum Center?
Yes, you can visit nearby places such as Ultimate Detailing and Car Wash for automotive services, Odyssey VR for arcade entertainment, or Corner Bakery Cafe for additional dining options, all within easy reach of the café.
How can nearby retail stores enhance my visit to Capital One Café?
Nearby retailers like Garage, LOFT, and ALDO offer shopping opportunities, allowing you to combine your banking or café visit with boutique and shoe shopping in the Irvine Spectrum Center area.
Are there nearby beauty and wellness shops near the Capital One Café?
Yes, you can explore Planet Beauty and The Body Shop for cosmetic and beauty supplies, or relax at Honey & Butter Macarons for desserts after enjoying the café experience.