St. Thomas
Caribbean · US Virgin Islands
Best Months
Dec, Jan, Feb, Mar, Apr
Rec. Nights
5 nights
Airports
STT (Cyril E. King)
Avg. Cash
$155 - $914/night
Best Value
Overview
St. Thomas is the most cosmopolitan of the US Virgin Islands, combining stunning Caribbean scenery with the convenience of traveling domestically -- no passport required for US citizens. The island is famous for its deep natural harbor at Charlotte Amalie, world-class duty-free shopping, and the consistently top-ranked Magens Bay beach.
For points travelers, the star property is The Ritz-Carlton, St. Thomas, which completed a massive $100 million renovation. At 60,000 Marriott points per night versus $900+ cash rates, it represents one of the best luxury Caribbean redemptions.
Beyond the resorts, St. Thomas is a hub for island-hopping to St. John (Virgin Islands National Park), duty-free shopping in Charlotte Amalie, and some of the Caribbean's best diving and sailing.
Cash vs Points
Hotels in St. Thomas range from $155 to $914 per night. Points redemptions offer 1.67+ cents per point value.
Points Hotel Recommendations
9 properties in St. Thomas bookable with points, sorted by value
| Hotel | Program | Check-in | ||||
|---|---|---|---|---|---|---|
Margaritaville Vacation Club St. Thomas | Wyndham | 15,000 | $250 | 1.7¢ | ||
The Ritz-Carlton, St. Thomas | Marriott | 90,000 | $881 | 1.0¢ | May 6 | |
Buoy Haus Beach Resort St. Thomas, Autograph Collection | Marriott | 87,000 | $789 | 0.9¢ | May 6 | |
The Westin St. Thomas Beach Resort & Spa | Marriott | 87,000 | $613 | 0.7¢ | May 6 | |
Wyndham Tortola BVI Lambert Beach Resort | Wyndham | 30,000 | $205 | 0.7¢ | May 6 | |
Independent (SPHC) The Wave Hotel Condado | IHG | 26,000 | $156 | 0.6¢ | May 6 | |
Independent (SPHC) Abitta Condado | IHG | 31,000 | $180 | 0.6¢ | May 6 | |
Holiday Inn Express San Juan Condado | IHG | 41,000 | $189 | 0.5¢ | May 6 | |
Hampton by Hilton St. Thomas | Hilton | 90,000 | $279 | 0.3¢ | May 21 |
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Transfer Points Strategy
Find the best transfer path for your credit card points
If you have Points:
Margaritaville Vacation Club St. Thomas
If you have Marriott Bonvoy Points:
The Ritz-Carlton, St. Thomas
If you have IHG One Rewards Points:
Independent (SPHC) The Wave Hotel Condado
If you have Hilton Honors Points:
Hampton by Hilton St. Thomas
How to Earn Points for This Trip
The best hotels in St. Thomas use Wyndham Rewards, Marriott Bonvoy, IHG One Rewards, and Hilton Honors points. Here’s how to earn them:
IHG One Rewards Premier Credit Card
IHG
$99
Annual Fee
140,000 IHG One Rewards points — transfers earns IHG One Rewards points directly
- 140K bonus points — enough for 3-5 free nights at many IHG properties
- Earn 26x total at IHG properties and 5x on travel, dining, and gas
- 4th night free on IHG award stays (saves 25% on 4-night bookings)
Hilton Honors American Express Surpass® Card
Hilton
$150
Annual Fee
130,000 Hilton Honors points — transfers earns Hilton Honors points directly
- Automatic Hilton Honors Gold status
- Earn 12x at Hilton properties, 6x at restaurants and supermarkets
- Free weekend night reward after $15K in calendar year spending
Hilton Honors American Express Aspire Card
Hilton
$550
Annual Fee
175,000 Hilton Honors points — transfers earns Hilton Honors points directly
- Automatic Hilton Honors Diamond status (top tier)
- Earn 14x at Hilton properties, 7x on travel and dining
- Free weekend night reward annually + one after $60K spend
Bilt Mastercard®
Bilt
$0
Annual Fee
earns Marriott Bonvoy points directly, earns IHG One Rewards points directly — only card that earns points on rent — transfers 1:1 to all major hotels
- Earn 1x points on rent with no transaction fees (up to 100,000 pts/yr)
- Earn 3x on dining and 2x on travel
- Transfer 1:1 to Hyatt, Marriott, IHG, and Hilton
The Platinum Card from American Express
Amex MR
$895
Annual Fee
Up to 175,000 Membership Rewards points after $12,000 spend in 6 months — transfers earns Marriott Bonvoy points directly, earns Hilton Honors points directly
- Up to 175K MR signup bonus - one of the highest available
- Earn 5x on flights booked directly with airlines
- Transfer 1:1 to Marriott Bonvoy or 1:2 to Hilton Honors
Chase Sapphire Preferred®
Chase UR
$95
Annual Fee
75,000 Ultimate Rewards points — transfers earns Marriott Bonvoy points directly, earns IHG One Rewards points directly
- Earn 5x on travel through Chase Travel℠
- Earn 3x on dining, select streaming, and online groceries
- 1:1 transfer to Hyatt, Marriott, and IHG
Affiliate Disclosure: We may earn a commission when you apply through our links. This does not affect our recommendations or the price you pay. We independently evaluate every card based on transfer value and earning potential.
Travel Tips
Best Time to Visit
Dec, Jan, Feb, Mar, Apr
Getting There
STT (Cyril E. King)
Visa & Entry
Check your country's requirements
Budget
From $155/night
Packing Essentials
Pack for the climate
Cultural Tips
Respect local customs
Ask AI About St. Thomas
Have questions about traveling to St. Thomas with points? Our AI advisor can help you plan the perfect trip, compare hotels, and find the best value redemptions.
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