Taxi
Walk Old Town; pedicab/scooter for the Hemingway-house end
You almost certainly don't need a taxi in Key West. Mallory Square to the Southernmost Point is roughly 1.5 miles flat — a 25-minute walk or a $10–15 pedicab. Key West has metered taxis and rideshare (Uber/Lyft), and rates are typical Florida-tourist-zone — expect $8–15 for short hops. Rental scooters and electric carts are widely advertised on Duval but parking is brutal in season; a bike from Eaton Bikes or similar is more useful for cruise-day range.
Currency
U.S. dollar; cards everywhere, small cash for tips and street food
Key West is in the United States; the currency is the U.S. dollar. Cards, contactless, and Apple/Google Pay work universally in restaurants, museums, and the Conch Train. Carry $20–40 in small bills for tips at the tender dock, the conch fritter window at Mallory Square, and pedicab drivers (tip 15–20%, like a cab). ATMs at every other bar on Duval — but use a bank-branded one (Truist, Centennial Bank) to avoid the $5 surcharge.
Day trip
There isn't one — Key West is the day trip
Dry Tortugas is the only true day-trip from Key West and it's not compatible with a cruise call (full day, 70 miles each way by ferry or seaplane). The Lower Keys (Bahia Honda, No Name Key) require a rental car and 30–60 minutes each way on US-1 with no hard shoulder if you break down. For a cruise day, treat Key West Old Town itself as the destination.
Dock
Three berths — Mallory Square, Pier B, or Outer Mole tender shuttle
Smaller ships dock alongside at Mallory Square Pier in the heart of Old Town. Margaritaville-branded sailings use Pier B at the Westin, also downtown. Larger ships use the Outer Mole pier inside Truman Annex (active Navy property) and shuttle passengers about one mile to Mallory Square; you cannot walk off the Annex independently. Some itineraries tender instead of berthing, which adds 30–60 minutes on each end of your shore day.
Dive sites
Snorkel/dive trips run from the harbor — half-day only
The Florida Reef sits about 6 miles offshore and is the only living coral barrier reef in the continental U.S. Half-day snorkel trips (3–4 hours total, including boat ride) run out of the Historic Seaport at Garrison Bight several times daily; expect $50–75 for snorkel, more for scuba. Book in advance on cruise days — these trips fill, and a missed back-on-board because the dive boat ran late is not a story your cruise line wants to hear.
Beach clubs
Smathers and Higgs are the public beaches; not why you came
Key West is not a beach destination. Smathers Beach (south side, about 2 miles from Mallory Square) is the longest public stretch — flat sand, calm water, food trucks. Higgs Beach near the cemetery is closer in. Both are free public beach. There is no Caribbean-style paid beach club scene here. If your itinerary already includes a Bahamas or Cozumel beach day, skip Key West's beaches and use the time for Old Town.