I can only share what works for me... I never use a credit card ever. I exchange my $ before I leave the states, which isnt the best rate at all, but its convenient, the last thing I want to do when i reach jamaica is wait in line at the bank. I also never use the provided "safe"... funny, i just dont feel safe using the safe, I get creative instead! I also stash 1 credit card or debt card as a back up plan juss in case. $500 thats a start! As another boardie mentioned in a previous post whatever you plan on spending double that! Bring lots of $100 jamaican bills, they come in handy! Again, this isnt the 'right way' to do it, but it works for me! Have fun!