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  <!-- ── Main site pages ─────────────────────────── -->
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    <loc>https://creditpulse.ca/</loc>
    <changefreq>weekly</changefreq>
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  <!-- ── Blog index ──────────────────────────────── -->
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- ── Blog posts ──────────────────────────────── -->
  <!-- ADD A NEW <url> BLOCK HERE FOR EVERY NEW POST -->

  <url>
    <loc>https://creditpulse.ca/blog/posts/understanding-cashback-memberships.html</loc>
    <lastmod>2026-07-10</lastmod>
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  <url>
    <loc>https://creditpulse.ca/blog/posts/cashback-membership-vs-credit-card-cashback</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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