Yes, credit cards are widely accepted in St. Thomas (U.S. Virgin Islands), particularly at major resorts, duty-free jewelry shops in Charlotte Amalie, and larger restaurants. Visa and Mastercard are the most commonly accepted, while American Express is taken at most high-end locations but may be declined at smaller boutiques due to higher merchant fees. Despite the prevalence of plastic, cash is still essential for several aspects of island life. Most "Safari" buses (the local open-air transit), taxi cabs, ferry services to St. John or Water Island, and small beach bars or roadside snack shacks operate on a cash-only basis. Additionally, some gas stations may offer a lower price for cash payments. Since St. Thomas is a U.S. territory, you won't face foreign transaction fees with U.S. banks, but it is always wise to notify your bank of your travel plans to prevent a fraud trigger from stopping your card during a shopping spree.