AI Trip Planner
Plan a trip with
credit card points
Pick origin + destination + month → see best award flights, top hotels bookable on points, attractions, signature events, and the cards whose welcome bonus would cover the trip. 41 US origin airports, no bank link required.
Caribbean
US Virgin Islands (St. Thomas)
Crystal coves, snorkeling, US dollar — Caribbean without passport
Pay in cash
$5,200
$450 flight + $4,750 hotel
Pay with points
530,000 pts
+ $20 taxes & fees
Best card for this trip
Amex Bonvoy Brilliant
185K + 85K free night cert = 3-4 nights at Ritz STT (~$3,200 value)
Weather in June
⚠️ Off-season — weather can be challenging
Air temp
77°–88°F
25°–31°C
Water temp
82°F
28°C
Rainfall
moderate
Crowds
Low
Warmer, mid-day showers.
Flights — JFK → STT
EconomyAmerican AAdvantage
JFK → STT — connect via JFK, EWR, or MIA. AA via MIA into STT
30,000
roundtrip
+ $20 taxes
Open to cover:Sapphire PreferredDelta SkyMiles
JFK → STT — connect via JFK, EWR, or MIA. Delta via ATL into STT
35,000
roundtrip
+ $20 taxes
Top hotels for your points
Picked for best points value — these hotels offer the strongest redemption rates we've tracked for this destination. Tap each one for why it stands out.
The Ritz-Carlton, St. Thomas
Marriott Bonvoy·Luxury, beachfrontIconic luxury — private beach, peninsula setting, kid-friendly luxury.
100,000/night
$950/night cash
5 nights = 500,000 pts (~$4,750 value)
Frenchman's Reef by Marriott Resort
Marriott Bonvoy·Family-friendly, valueRecently renovated — bigger family resort across from St. Thomas harbor.
60,000/night
$550/night cash
5 nights = 300,000 pts (~$2,750 value)
Caneel Bay (St. John)
Independent·Hopefully reopens soonClosed since 2017 hurricane; check reopen status. Otherwise consider Westin St. John.
Cash only
$800/night
Trip Strategy — open these cards and the trip is mostly free
Open Marriott Brilliant (185K + 85K free night cert) + Sapphire Preferred (75K UR). Covers 4 nights Ritz-Carlton or 6+ at Frenchman's Reef + RT flight.
185K + 85K free night cert = 3-4 nights at Ritz STT (~$3,200 value)
$650/yr annual fee
Your out-of-pocket budget for this trip
🚗 Car rental needed · vs. $5,200 full cash trip
What to see & do in US Virgin Islands (St. Thomas)
Magens Bay Beach
BeachHeart-shaped beach — National Geographic's top 10. Calm water for families.
Trunk Bay (St. John)
Beach0.25-mile underwater snorkel trail — boat or ferry to St. John (75% national park).
Coral World Ocean Park
SightSea lion encounter, shark shallows, underwater observation tower.
Charlotte Amalie Historic District
SightCapital town — Blackbeard's Castle, 99 Steps, Fort Christian.
Mountain Top
Sight1,500 ft viewpoint famous for banana daiquiris, panoramic island views.
Snorkel St. John (full day)
BeachMultiple beaches on St. John — Maho, Cinnamon, Salt Pond Bay.
Events to know about
- Apr
St. Thomas Carnival
Late April - early May — month of parades, music, food.
- Mar
Texas Society Chili Cookoff
March charity event at Frenchman's Reef.
- Mar
Rolex Regatta
Late March — international sailing race in St. Thomas harbor.