Visa and MasterCard are accepted by most hotels, resorts and restaurants. Some businesses may levy a 3% to 5% surcharge to use a credit card, but this practice is dying out. Tropic Air and Maya Air accept Amex, Visa and MC - no surcharge.
You should have very little problem using credit cards in most of the tourist shops anywhere in Ambergris Caye.
If you are going to use a credit card with a tour operator or dive shop direct, it would be prudent to find out in advance if the operator accepts it.
Hope this helps...
**Jim
[This message has been edited by Sandcrab (edited 05-02-2000).]
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**Jim