One of the most important things to know before renting a car at Cyril E. King Airport (STT) on St. Thomas is that all three brands — Alamo, Enterprise, and National — operate on a credit-card-only payment policy. Here is what that means for you.
Why Credit Cards Only?
The credit-card-only policy exists because rental companies must place a security deposit hold on your card at the time of rental. This hold covers potential damage, fuel charges, late fees, or other costs. Credit cards allow instant holds, while debit cards have different processing rules and consumer protections that make holds more complex.
What Counts as a Credit Card
Accepted credit cards typically include:
- Visa
- Mastercard
- American Express
- Discover
The card must be in the primary driver's name and have sufficient available credit to cover both the rental charges and the security deposit hold.
Security Deposit Hold Amount
The security deposit hold amount varies by rental brand and vehicle type, but typically ranges from $200 to $500 above the estimated rental charges. This hold is released after the vehicle is returned in good condition, though it may take several days for the hold to be removed by your bank.
Debit Cards Are Not Accepted
Debit cards, prepaid cards, and cash are generally not accepted at the STT rental counters. Even debit cards with Visa or Mastercard logos are typically declined. This is a firm policy across Alamo, Enterprise, and National at STT.
What to Do if You Don't Have a Credit Card
If you do not have a credit card, consider:
- Applying for one before your trip
- Using a travel companion's card (they must be present as primary or additional driver)
- Using a secured credit card
Plan Ahead
Confirm your credit card's available credit before your trip. The security deposit hold, combined with rental charges, can tie up several hundred dollars. Make sure you have enough available credit to cover the hold without affecting other travel expenses.