The currency of the US Virgin Islands is the US Dollar. Major credit cards are accepted in almost all – but not all – establishments. Ask before you make a purchase or order food. ATM machines are located in banks and at other commercial locations.

Yes, credit cards are widely accepted across St. Thomas in the U.S. Virgin Islands, but there are notable exceptions where cash is still king. Most major hotels, high-end restaurants, jewelry shops in Charlotte Amalie, and large grocery stores accept Visa and Mastercard as a standard. Many also accept American Express and Discover. However, in 2026, taxi drivers and local "Safari" buses still almost exclusively require cash (U.S. Dollars). Small beach bars, local food stands, and some boutique vendors at the "Vendor’s Plaza" may also have a cash-only policy or a minimum purchase requirement for card use. Additionally, while the USVI uses the U.S. Dollar, travelers from outside the United States should be aware that some smaller merchants might not have the technology for "contactless" (tap) payments yet, though this is rapidly changing. It is highly recommended to carry at least $50–$100 in small bills for tips, taxi fares, and small souvenir purchases, but for the majority of your "big-ticket" spending, your credit card will work perfectly without any foreign transaction fees for U.S. residents.