This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

Did you know there’s a place you can get half-off your caffeine fix just for having a Capital One checking, savings or credit card account? They’re called Capital One Cafes, and there’s not just one but (currently) 29 locations in the United States.

I hadn’t heard of this concept myself until I stumbled across one in Austin, Texas, this week at the iconic corner of 6th Street and Congress — across the street from a Starbucks. Intrigued, I went in.

It turns out the name is pretty self-descriptive: it’s a combination of a Capital One bank and a cafe. Inside are a few ATMs for withdrawing cash and depositing checks as well as a few Capital One representatives on-hand for questions.

If you’re just there for coffee or tea, there’s a fully-functional Peet’s Coffee inside with a range of caffeinated (and decaffeinated) products. If you “use your Capital One credit or debit card,” you’ll get half-off any beverage. (I didn’t test my luck by trying to get a discount on more than one drink.)

These cafes also host happy hours, which vary from location to location. At the time I visited, the Downtown Austin location was offering “eco happy hour” all day Mondays and Fridays: Anyone who brings in their own coffee mug gets it filled with drip coffee or tea for free. Other locations have offered free drinks for Capital One account holders and half-off for everyone else. Taco Tuesdays seem to be a popular offering at many locations.

Locations can be found in California (5 locations); Colorado (2); Florida (4); Chicago, Illinois (2); Massachusetts (9, including 4 in Boston); St. Cloud, Minnesota, Philadelphia, Pennsylvania; Austin, Texas (2); Richmond, Virginia; and Seattle, Washington (2).

As I dug deeper, I found these cafes go well beyond just a coffee shop with some ATMs. In the back, there’s a glass meeting room. Turns out this 10-seat room can be reserved for free by registered nonprofit organizations — whether they’re a Capital One customer or not.

But that’s not the only community service. Capital One also employs money coaches to serve the community at this location and in 23 other cities. Again, no Capital One account required. And no, the role of these coaches isn’t just to push Capital One products. The coach I spoke with at this Austin location noted that she isn’t allowed to provide specific financial advice, but instead she uses visual tools and exercises to help people figure out their financial goals and priorities. These sessions can be done as part of group sessions or individually as singles or couples.

I’m really impressed by this Capital One Cafe concept. With more and more financial transactions happening digitally, these locations are an innovative way for Capital One to continue to connect with customers in person — not to mention making use of bank locations that are becoming increasingly less relevant.

If half-priced drinks are enough for you to consider a credit card, here are some Capital One cards options worth checking out:

Capital One® Venture® Rewards Credit Card

Earn unlimited 10x miles on hotel stays booked and paid through Pair that with the Rewards program and you'll essentially be getting 20% off of hotel bookings! With the 50,000 mile sign-up bonus you can get up to $700 in value based on TPG's most recent valuations and you'll have the flexibility to transfer those miles to participating airline partners or redeem those miles on any purchase for airfare, hotel stays, car rentals and more.

Apply Now
More Things to Know
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Intro APR on Purchases
Regular APR
15.24% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee
Recommended Credit
Excellent, Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.