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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
How I took a 2-day, all-inclusive weekend escape to the Florida Keys — and how you can, too
Lauren is a senior editor at TPG. With over eight years of editorial experience, she focuses on connecting audiences with our incredible partners through engaging pieces that cover credit cards, loyalty programs and the travel industry.
July 21, 2026 • 7 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: Bungalows Key Largo Up provided TPG with a complimentary two-night stay so that we could get an inside look at the hotel and its amenities. The opinions expressed below are entirely those of the author and weren't subject to review by the hotel or any external entity.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
Bungalows Key Largo is an adults-only, all-inclusive resort in Florida, offering a unique experience without the need for international travel.
The property features spacious bungalows, premium dining options, a range of included activities and access to a private shoreline.
Guests can enjoy amenities such as nonmotorized water sports, daily yoga, a fitness center, live entertainment and multiple dining venues.
Certain experiences, like spa treatments and select excursions, incur additional charges and advance reservations are recommended.
What to consider
Gratuity is not included in the all-inclusive rate and can be charged to your room or paid in cash.
Dining at the upscale steakhouse requires an extra fee for stays of three nights or fewer, while longer stays receive one complimentary reservation.
Advance purchase promotions require booking at least 14 days ahead with a three-night minimum and are nonrefundable.
What you'll miss from the article
A detailed guide to maximizing a short stay at Bungalows Key Largo, including activity planning, dining tips and advice for booking special experiences.
Generated by AI with support from our editorial team.
It's no secret that most all-inclusive resorts require a passport — there are only a handful in the U.S. — and therefore require a bit more than a weekend to fully enjoy the experience. But Bungalows Key Largo requires only a quick, one-hour drive south from Miami and a willingness to unwind for 48 hours — a challenge that I was more than willing to take on.
Set on 12 acres of botanical gardens edged by 1,000 feet of ocean shoreline and just a few miles from the warm waters of the Gulf Stream, this adults-only property is the only true all-inclusive resort in Florida. Here's how I made the most out of a 48-hour stay and how you can, too.
Upon arrival, the staff took care of my luggage and whisked me to my 900 square feet Bungalow via golf cart, which automatically set the tone for the level of service I received during my stay. Each bungalow has beautifully decorated indoor and outdoor living spaces, a private deck, an outdoor garden shower and a soaking tub — I chose to grab my welcome drink and relax on the patio before doing anything else.
Once I was a bit more settled, I strolled over to the Sunset Tiki Bar on Tranquility Beach, which had some of the best views of the water. The menu offered plenty of frozen drinks and an icy selection of local brews. I opted to keep it simple with a Pina Colada while I watched the sun go down over the water. It was the best seat in the house for golden hour.
LAUREN WASSUM/THE POINTS GUY
Since I was a bit tired from my travels, I kept dinner casual at Fish Tales, an eatery overlooking the ocean and infinity pool. The vibe is relaxed, and the menu leans into the tropical flavors of the Florida Keys, which is exactly what I needed to end my long day.
Day 2: Making the most of activities, the spa and a memorable last dinner
LAUREN WASSUM/THE POINTS GUY
Since this was my only full day on the property, I wanted to start early. Daily yoga classes take place on Tranquility Beach, so you can practice to the soundtrack of ocean waves — I reserved my spot with the concierge the night before, and all I needed to do was show up. After class, I grabbed breakfast at Fish Tails before heading to the pool.
What I loved most about this property is that it accommodates both adventure-seekers and relaxation-seekers. Paddleboards, snorkel gear and kayaks are available on-property and are included in your all-inclusive package. So you can spend a few hours on the water before retreating to one of the two pools mid-afternoon. The resort also offers a slew of activities couples would love: catamaran sunset sails with charcuterie and cocktails, and Everglades kayak tours. Select excursions like these do cost extra and book up fast, so be sure to reserve at check-in.
LAUREN WASSUM/THE POINTS GUY
If you’re like me, then a visit to the spa is high up on your list, so I blocked off two hours to enjoy an afternoon at the Zen Garden Spa. I booked a Bungalows Signature Massage ($195), which left me feeling completely relaxed and restored, but the spa amenities alone are worth the visit. I spent equal time unwinding in the Himalayan salt room and the eucalyptus steam room.
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LAUREN WASSUM/THE POINTS GUY
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LAUREN WASSUM/THE POINTS GUY
To cap off my incredible day, I dined at the resort's upscale steakhouse, Bogie and Bacall’s, which offered locally inspired seafood alongside premium steaks with a sommelier-curated wine list. I started with a predinner cocktail included in the all-inclusive rate at the adjacent Hemingway Bar and ordered the Purple Sunset — a lychee liqueur, pineapple and lime cocktail finished with an Empress Gin float. The service was fantastic, and the filet mignon I ordered was phenomenal. Guests staying four nights or more get one complimentary reservation, while guests staying three nights or fewer need to purchase Bogie and Bacall's experience separately for $300 per two-person reservation, and let me tell you, it's worth every penny as a send-off meal.
Getting there and checking in
LAUREN WASSUM/THE POINTS GUY
From Miami International Airport (MIA), the resort sits about 50 miles south on US-1, so you can opt for a ride-hailing service or do as I did and book a rental car for a scenic drive through South Florida. I used my Capital One Venture X Rewards Credit Card, which gets me Hertz President's Circle status*, meaning guaranteed upgrades, no counter stops and bonus points on Hertz rentals, so my ride pick-up was quick and easy.
The resort offers two bungalow categories: Garden Bungalows, which are tucked among lush tropical landscaping with a private veranda, soaking tub and outdoor shower; and Waterfront Bungalows, which face the sunset directly over the water and come with a private sandy area out front. The bungalows are largely the same in layout and amenities. The main upgrade in the Waterfront category is a direct sunset view, plus sand in front and two chairs and an umbrella outside your door. Rates start around $1,349 per night for a Garden Bungalow and climb from there for Waterfront, and they vary by season, so be sure to check the resort's website for current pricing and any minimum-night requirements.
It's also important to note that Bungalows Key Largo is also an independent property not affiliated with a major hotel loyalty program, but you can book your stay with the Capital One Venture X Rewards Credit Card, which earns 2 miles per dollar on all purchases, to help earn toward your next trip.
Check-in is at 4 p.m., but early access is also available for $300 plus taxes, which gets you resort access starting at noon — a worthwhile add-on if you want to squeeze in a few extra hours out of your all-inclusive stay.
Know before you go
LAUREN WASSUM/THE POINTS GUY
The all-inclusive rate at the Bungalows Key Largo covers unlimited meals, premium beverages, nonmotorized water sports, daily yoga, use of the fitness center and bikes, and live entertainment. Gratuity is not included, but allows you to tip exceptional staff individually. You can charge gratuity to the card on file directly to your room (they add suggested tips to the check you sign to make it easy), or you can use one of the property's ATMs if you prefer to tip in cash.
If you're a Florida resident, you can also score a discounted rate on their Garden Bungalows with a valid Florida ID. If you're booking far in advance, the advance purchase promotion requires booking at least 14 days out with a three-night minimum and is nonrefundable.
Bottom line
The Bungalows Key Largo delivers a true all-inclusive experience without requiring international travel. The service was warm, the food was great and the bungalow-style properties made me feel like I was in my own little paradise. It's not the cheapest weekend, but between booking on the Venture X to earn miles on the stay and leveraging Hertz President's Circle status on the rental car, there are smart ways to handle the cost. And if you only have 48-hours or a long weekend, I can confirm it is easy to enjoy to the fullest.
*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note that enrolling through the normal Hertz Gold+ Rewards enrollment process (e.g., at Hertz.com) will not automatically detect a cardholder as being eligible for the program, and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Capital One Venture X Rewards Credit Card
TPG editor's rating4.5
TPG editor's rating4.5
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
