The Money Bar Beach Club on the Dzul Ha reef is the most upscale spot with all the bells and whistles, from massage to kayaking. Activity packages (starting at $30) give you a buyout rate for meals, massage, even snorkel tours, or you can just paddle around and check out the angelfish before lunching à la carte under the peaked palapas. A water-sports center rents snorkel and scuba gear, kayaks, and small sailboats. Happy regulars and visitors come to sip frothy cocktails
during the daily sunset happy hour and linger into the dark. There's live music on weekend nights, and happy hour from 5 pm to 7 pm daily. Amenities: food and drink; lifeguards; parking (free); showers; toilets; water sports. Best For: snorkeling; sunset; swimming.