In the past I have been hit with 3% foreign transaction fees when using credit cards in Jamaica. Discover cash back card, is now accepted in Jamrock and has no foreign transaction or annual fees. I don't know how widely discover is accepted but I do know coco lapalm and xtabi both accept it. Capital One rewards VISA has no annual fee and no foreign transaction fees. Check these cards against the ones you are currently using.

On the beach I use local currency. The credit cards are for hotel, dining and other larger expenses.