<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
    <!-- Homepage - highest priority (canonical URL without trailing slash) -->
    <url>
        <loc>https://www.richwithpoints.com</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- Credit Cards section - main content pages -->
    <url>
        <loc>https://www.richwithpoints.com/credit-cards</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://www.richwithpoints.com/reviews</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://www.richwithpoints.com/videos</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- User account pages -->
    <url>
        <loc>https://www.richwithpoints.com/register</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://www.richwithpoints.com/login</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.richwithpoints.com/forgot-password</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.4</priority>
    </url>

    <!-- Legal pages - lowest priority but required -->
    <url>
        <loc>https://www.richwithpoints.com/privacy-policy</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://www.richwithpoints.com/terms-of-service</loc>
        <lastmod>2025-09-20</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <!-- Note: Dynamic credit card detail pages [id]/[...slug] will be added programmatically -->
</urlset>