Capital One Café

One of my favorite stops at the UTC mall. Staff & baristas are always friendly and welcoming, even on the busiest days. The bustling environment is fun - a lot of guests come to work and/or hangout. They’ve got special seasonal offerings, as well as Capital One swag/goods in store sometimes. They serve Verve coffee - yum!

Atmosphere: 5

Food: 5

Service: 5

Overall, my first experience at Capital One Cafe was nothing short of magnificent. I left feeling satisfied and eager to return, and I highly recommend it to anyone looking for a great place to eat or work!

Capital One Cafe offers a refreshing blend of ambiance, delicious food, and exceptional service, making it a standout spot for both casual dining and work. Upon entering, I was immediately impressed by the clean and modern decor, which creates a welcoming atmosphere.

The menu features a variety of tasty options that are not only delicious but also reasonably priced, allowing guests to enjoy a satisfying meal without breaking the bank. During my visit, I found the food to be flavorful and well-prepared, enhancing the overall experience.

What truly sets this cafe apart is the staff. Their professionalism and kindness were evident throughout my visit, contributing to a friendly and inviting environment. It’s clear that they prioritize customer satisfaction, which made my visit even more enjoyable.

One suggestion I would offer is to consider adding more private single tables equipped with AC power outlets. This would be especially beneficial for those looking to work or study in a quieter setting.

Atmosphere: 5

Food: 5

Service: 5

Good quiet place for working and reading

Went to the cafe for a place to study. It was nice that they have free wifi and plenty of outlets but thats all this place has going for it. Food is poorly made and cook from frozen so it is often soggy. If you want to sit you have to buy something which is reasonable until you see there prices. I got an 8 Oz latte with caramel and it came out to 7 dollars. I'm not sure how you unchangeable something that much but they did. You would expect the coffee to atheist be decent then but no. The espresso tasted burt and the milk was sour. Would not recommend. Its a shame that capital one cafe is one of the few quiet places to study in UTC.

Atmosphere: 2

Food: 1

Service: 3

Cafe in the mall is a great place to relax, work, or take a break from shopping. The space is clean, modern, and welcoming, with plenty of seating but noisy atmosphere. It’s nice to stop in for a quick drink but spending some time on your laptop can be hard with the noise.

The coffee and drinks are decent, and Capital One cardholders get a nice discount, which is a plus. Staff are friendly and helpful, and there’s no pressure to be a Capital One customer to enjoy the space. Overall, a decent spot that adds value to the mall experience.

Atmosphere: 3

Food: 3

Service: 3

This was my first time experience and it was a wonderful one. Matcha was so delicious 😋

Atmosphere: 4

Food: 5

Service: 5

We had a banking issue & popped into this Capitol One Cafe. Even though they were not able to get our issue taken care of. Chris went above & beyond to assist us in getting someone on the phone who could assist us. He even threw in a latte. Chris provided amazing customer service & went above & beyond to help us.

Atmosphere: 5

Service: 5

Excellent service and a warm atmosphere

Atmosphere: 4

Food: 5

Service: 5

Great place to study or hang out. Shout out to Hector who recommended me a delicious seasonal drink!

Atmosphere: 4

Food: 5

Service: 5

Never ever gotten a seat to sit. All taken by students all day long looking at their facebook or shopping.

Atmosphere: 1

Food: 3

Service: 3

Just perfect

Atmosphere: 5

Food: 5

Service: 5

I the breakfast sandwich, which was good, and ok, but it's very disappointing when u have a tiny sausage on the sandwich. The service it's ok, but except for the girl, she's so welcoming. So please have a sausage that is the same size as the bun. It's not fair that I pay 9.50 for a small sandwich, with only half sausage.

Atmosphere: 3

Food: 3

Service: 3

Nitro cold brew was ultra sour, which likely means it’s under-extracted. 2 packets of sweetener couldn’t mask the sourness. There was nothing nitro about it either. Flat. No nitrogen bubbles. Must be old batch or maybe they don’t sell enough of it to get sour. $6 wasted. Not a real coffee shop so my bad going here rather than the other options at the mall.

Atmosphere: 3

Food: 1

Service: 4

Today I made a deposit….and the ATM machine accepted the cash but gave NO RECEIPT. The money never appeared in my account.

When I called Capital One, they opened a case and said it could take up to 45 days to investigate. I was also told that I “should’ve deposited in $200–$300 increments” — which contradicts the machine’s instructions and makes no sense. That ATM clearly states it can take up to 200 bills, and my deposit was nowhere near that.

This isn't the first time this ATM has had problems either. It's unreliable and still in use, which is unacceptable in such a high-traffic area. The deposit was a wedding gift and Capital One’s lack of urgency or accountability has caused me serious stress, both emotionally and financially.

Avoid using this ATM, and honestly, think twice about banking with Capital One. They’ve made a terrible situation even worse.

Avoid Banking Here: Faulty ATM, False Info, and Long Delays

We had a very upsetting experience at the Capital One branch at UTC Mall. Around 5pm, we deposited a cash using the ATM facing inside the branch. The machine took the money, then froze and displayed an error message before returning our card — but not our cash. We could hear it processing the bills, but then it suddenly said: “Bill payments, check deposits, cash deposits, and withdrawals are currently unavailable.”

We immediately reported this to on-site staff, who admitted this happens regularly and helped us file a claim. That alone is concerning. We then waited over 40 minutes on the phone with Capital One customer service, only to learn it would take 10 business days to receive a provisional credit (not the full deposited amount) and up to 45 days for a full investigation and potential reimbursement.

To make things worse, the staff told us we “should only deposit $200–300 at a time” — but the ATM itself says it accepts up to 200 bills. If Capital One knows their machines can’t handle what they advertise, why aren’t they updating the machine’s instructions or warning customers? It almost feels like they’re shifting the blame to the customer while holding on to people’s money, interest-free, for 45 days — under the guise of an “investigation.”

Earlier the same day, I also made a cash deposit at a Bank of America ATM. When their machine couldn’t process the bills, it simply spit the cash back out, allowing me to reinsert it. That’s what a functional and customer-focused system should do. Instead of programming their ATMs to do the same, Capital One has designed theirs to EAT your cash and make YOU responsible for filing a claim.

This was money meant for our wedding, and now it’s out of our hands — with no real timeline for resolution. If you value your cash or peace of mind, DO NOT BANK WITH CAPITAL ONE. Can you really trust a bank that doesn’t fix its own machines and holds your money hostage for over a month?