It depends on whether you plan on anchoring, mooring or taking slips. For slips, fuel, water, 95% of dinners, groceries, etc., is a lot like the US and Europe - everyone takes cc. From my experience we've always paid cash for mooring balls, except at Leverick when we've stopped for fuel, spent a night on a ball then a night in a slip (when used cc). I don't know if the other mooring ball places will take cc, as I've never asked.

Many in the BVIs charge a ~3% surcharge for using the card. This also includes paying your boat insurance and the final amount due when you pick up the boat.

You also have arrival and departure expenses that requires cash.

I believe we took $300/pp for a 10 night trip in Oct and had cash left over.