While St. Croix is part of the U.S. Virgin Islands and widely accepts major credit cards, you should definitely carry a moderate amount of cash for a smooth travel experience. Most large hotels, grocery stores, and tourist-focused restaurants in Christiansted and Frederiksted utilize modern point-of-sale systems. However, St. Croix has a charmingly local and "unplugged" vibe where cash is still king for several essential services. You will need cash for taxis, as most local drivers do not have card readers. Additionally, many of the best "off-the-beaten-path" experiences—such as small roadside "pate" stands, local craft markets, and smaller beach bars—operate on a cash-only basis. If you plan on tipping tour guides, boat captains for trips to Buck Island, or housekeeping staff, U.S. Dollars (the official currency) are the preferred method. While ATMs are available at banks and some gas stations, they can occasionally run out of cash or be out of service during power fluctuations, so it is wise to withdraw what you need before heading out on island adventures.