A personal watercraft with cargo-carrying surface and an anchor rail mounted on a surface of the personal watercraft. The anchor rail being adjacent to the cargo-carrying surface and exposed to an environment. The anchor rail can include an outwardly facing surface exposed to the environment, and the anchor rail is secured to the personal watercraft in such a manner that the outwardly facing surface is recessed relative to the cargo-carrying surface to form a recess or that the outwardly facing surface is flush with the cargo-carrying surface.