I carry both, do the math and pay with whatever provides the best value. My experience was polar opposite and I did quite well using JMD during my April trip. The US dollar does have it's place, however the local currency is the way to go at most places. I will give a shout out to Hi-Lo for offering a competitive credit card rate. I will also give a shout out to Hi-Lo for providing the most consistent customer service I have experienced in Negril.