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  <!-- CORE PAGES -->
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    <loc>https://mycardrates.com/index.html</loc>
    <lastmod>2026-05-31</lastmod>
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  <!-- PILLAR PAGES -->
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    <loc>https://mycardrates.com/best-credit-cards.html</loc>
    <lastmod>2026-05-31</lastmod>
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    <loc>https://mycardrates.com/credit-card-rewards.html</loc>
    <lastmod>2026-05-31</lastmod>
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    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- LEGAL & INFO PAGES -->
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    <loc>https://mycardrates.com/about.html</loc>
    <lastmod>2026-05-31</lastmod>
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    <lastmod>2026-05-31</lastmod>
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    <lastmod>2026-05-31</lastmod>
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  <!-- BLOG INDEX -->
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    <loc>https://mycardrates.com/blog/index.html</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>weekly</changefreq>
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  <!-- BLOG POSTS — add each one here as it goes live -->
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    <loc>https://mycardrates.com/blog/blog-post-4-cashback-vs-travel-rewards.html</loc>
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    <loc>https://mycardrates.com/blog/blog-post-7-credit-cards-for-bad-credit.html</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-05-31</lastmod>
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  <url>
    <loc>https://mycardrates.com/blog/blog-post-9-credit-card-fees-explained.html</loc>
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    <loc>https://mycardrates.com/blog/blog-post-10-how-to-avoid-credit-card-debt.html</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://mycardrates.com/blog/blog-post-11-credit-card-vs-debit-card.html</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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