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Ben \"Finn\" Finnegan (Matthew McConaughey) is a treasure hunter looking for 40 chests of treasure lost at sea in 1715 called the Queens\' Dowry, from the 1715 Treasure Fleet. In his search to find the treasure, his marriage to Tess (Kate Hudson) falls apart. Tess begins working on a huge yacht owned by Nigel Honeycutt (Donald Sutherland). Finn finds a clue to the location of the treasure and manages to get on Honeycutt\'s yacht and convince him and his daughter Gemma (Alexis Dziena) and Tess to join him in looking for the treasure. A local gangster named Bigg Bunny (Kevin Hart) and Finn\'s mentor Moe Fitch (Ray Winstone) are intent on finding the treasure first.

The Honeycutt and Moe\'s vessel compete to find the treasure in the Florida Keys. In the process, Finn disables Moe\'s demolitions grid and discovers a hidden sword, a clue to finding the treasure. Finn and Tess follow clues to an ancient church and discover a grave containing the location of the treasure written in a diary. Bigg Bunny and his associates then discover and capture Tess and assume (incorrectly) that Finn was killed. Big Bunny then forces Tess to search for the treasure in a geyser, the location in the diary. Tess successfully finds the treasure. Meanwhile, Finn and the Honeycutt enlist the help of Moe in taking the treasure out of Bigg Bunny\'s hands. They arrive as Bigg Bunny sends one of his associates to bring him the treasure, and the other to take out Moe as he swim towards Bigg Bunny\'s Boat-Plane. The geyser kills Bigg Bunny\'s employee and traps Tess, while Moe tries to stop Bigg Bunny from taking off. Finn saves Tess, and hijacks Bigg Bunny\'s plane and sends him into the ocean. The final Bigg Bunny employee, is taken prisoner by Moe (after he has shot Moe in the leg with a harpoon). Finn and Tess are reunited and save the treasure together.