Finder Scotiabank Gold American Express Card Reward Promotion Terms and Conditions

Key Facts (Plain Language Summary)

What you get

$175 digital Visa card

Provided by Finder, not by Scotiabank®.

How to start

Apply and get approved for a new Scotiabank Gold American Express Card using the Finder link while logged in to your Finder account.

New customers only; CA residents 18+.

Eligibility

✅ Apply and get approved for a new Scotiabank Gold American Express Card via the Finder.com promotional link during the Promotion Period.

Name and email must match between Finder and Scotiabank.

Timing

Digital Visa card emailed on or before Wednesday, January 13, 2027.

Keep your account open and in good standing until the Fulfillment Date.

Ends: 1st November 2026 · Limit one Reward per Finder member, regardless of the number of Scotiabank accounts · Existing Scotiabank customers are not eligible. Eligibility is cross-referenced across all Scotiabank product lines — any existing profile or account of any type will disqualify you · Account must remain open and in good standing until January 13, 2027. See full terms below.

This summary is for convenience only. The legally binding terms appear below.

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Get $175 from Finder

Become a Finder member, apply and get approved for a new Scotiabank Gold American Express Card through Finder to receive a $175 digital Visa card from Finder + earn up to $950 in welcome offers, first-year rewards and savings value from Scotiabank. Offer ends November 1, 2026. Separate T&Cs apply.

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Terms & Conditions

Finder is offering a $175 digital Visa card to eligible customers who apply and are approved for a Scotiabank Gold American Express® Card through the Finder Comparison Service (“Reward”).

This Promotion is only open to Canadian residents aged 18 and over, and starts on October 20, 2026 and ends on November 1, 2026 (“Promotion Period”).

Participation in this Promotion constitutes acceptance of these Terms and Conditions. This Promotion is provided by Finder and The Bank of Nova Scotia (“Scotiabank”) is not responsible for, and provides no representations, warranties or conditions regarding, the Finder services or this Promotion. Any questions or issues about the Promotion are to be directed to and managed solely by Finder.

Overview

The Promoter is Finder.com Comparison Service Canada Inc (BC1203971) (“Finder”) of Suite 2600, 1090 West Pender Street, Vancouver BC V6E 0E3. Finder offers customers the ability to compare rewards platforms through its website (“Finder Comparison Service”).

The $175 digital Visa card available under this Promotion is provided and distributed by Finder’s supplier, Tremendous LLC (“Tremendous”) (together, the “Fulfilment”). Tremendous’ terms and conditions and Finder’s privacy policy also apply to this promotion.

If you decide to apply for a Scotiabank Gold American Express Card using Finder’s Comparison Service, please refer to Scotiabank’s terms and conditions and privacy policy before making a decision. These Terms and Conditions are separate to and do not form part of Scotiabank’s terms and conditions. For clarity, Finder is not responsible for and does not supply any services under the Scotiabank Gold American Express Card. You must contact Scotiabank directly for more information.

Information on how to participate in the Promotion forms part of these Terms and Conditions. Participation in this Promotion is deemed acceptance of these Terms and Conditions (each an “Entrant”).

1. Definitions

Promotion Period means the period beginning on October 20, 2026 and ending on November 1, 2026, unless otherwise extended, modified, suspended, or withdrawn by Finder in accordance with these Terms and Conditions.

Initial Participation Requirements means the Entrant’s application for and approval of a new eligible Scotiabank Gold American Express Card through the Finder Comparison Service during the Promotion Period.

Qualifying Event means applying for and being approved for a new eligible Scotiabank Gold American Express Card through the Finder Comparison Service during the Promotion Period, using the same first name, last name, and email address on the Finder account and the Scotiabank Gold American Express Card application, and keeping the Scotiabank Gold American Express Card account open and in good standing until the Reward is fulfilled.

Reward means the $175 digital Visa card issued through Tremendous, provided solely by Finder and not by Scotiabank. The Reward is paid only after Finder verifies that the Entrant has satisfied all eligibility requirements, including successful completion of the Qualifying Event.

Eligibility Date means the date on which Finder verifies whether all eligibility requirements have been met. For this Promotion, the Eligibility Date is on or before December 1, 2026.

Fulfilment Date means the date on which Finder issues the Reward following verification of eligibility. For this Promotion, the Fulfillment Date is on or before January 13, 2027.

New Customer means an Entrant who is not a current or recent Scotiabank customer, having held no active account, profile, or established service relationship with Scotiabank or its affiliates within the two years immediately preceding the date of application. In the case of a joint account application, all named account holders must independently meet the definition of New Customer, and only one (1) Reward will be awarded per approved account, regardless of the number of joint owners or supplementary cardholders.

Good Faith Participation means participating in the Promotion in a manner consistent with these Terms and Conditions and the intended operation of the Promotion. Conduct that may indicate a lack of Good Faith Participation includes, without limitation: closing or attempting to close the Scotiabank Gold American Express Card account before the Fulfillment Date; opening and closing an account in rapid succession; using or attempting to use multiple Finder accounts, email addresses, devices, or identities to obtain more than one Reward under this or any related Promotion; submitting incomplete, inaccurate, altered, fabricated, or misleading information or documentation; using bot, automated, scripted, or coordinated activity, or VPNs, to complete or disguise a transaction; or otherwise attempting to game, exploit, circumvent, or defeat the eligibility requirements or intended operation of the Promotion.

2. Eligibility

This promotion is only open to Canadian residents aged 18 and over, and is open during the Promotion Period.

To qualify for the Reward, you must:

• Be aged 18 years or over.
• Be a registered Finder member, or create a Finder account prior to claiming the Reward.
• Complete a comparison using the Finder Comparison Service.
• Click on the unique promotion link to access Scotiabank’s product page and complete the eligible transaction in the same session.
• Apply and be approved for the Scotiabank Gold American Express Card during the Promotion Period.
• Maintain an active Scotiabank Gold American Express Card account in good standing until the reward is fulfilled.
• Use the same first name, last name and email address on your Finder account and Scotiabank Gold American Express Card application.
• Be a New Customer, as defined above.

Participating products are limited to: Scotiabank Gold American Express® Card.

Other eligibility conditions may apply, including but not limited to:

• Not being a current or recent Scotiabank customer (within the last two years).
• Residing in Canada.
• Only one Reward may be claimed for each approved Eligible Product. For joint accounts and supplementary cardholders, only one Reward may be claimed for each approved account.
• For joint accounts, all account holders must meet the eligibility criteria at the time of opening the account.
• Entrants must engage in Good Faith Participation, as defined above, throughout the Promotion Period and through the Fulfilment Date. Finder reserves the right, in its reasonable discretion, acting in good faith, to deny, withhold, delay, or reclaim a Reward, and to suspend or terminate an Entrant’s Finder Member account, where Finder reasonably believes an Entrant has not engaged in Good Faith Participation.
• Eligibility determinations under this Promotion are based on data, confirmations, and reporting provided to Finder by Scotiabank. Finder does not have visibility into, and is not responsible for verifying, Scotiabank’s internal systems, account records, or transaction ledgers. If Scotiabank advises Finder that an Entrant did not complete the Qualifying Event, that determination is treated as final for purposes of this Promotion, except to the extent required by applicable law. The Entrant retains the right to raise a dispute with Finder in accordance with the Eligibility Dispute Window set out below, and Finder will consider any supporting documentation provided by the Entrant when reviewing the dispute.

3. Ineligibility

The Reward will not be issued if:

• You do not use the unique promotion link while logged into your Finder account to apply for the Eligible Product on the Scotiabank website.
• You do not complete the Qualifying Event.
• You complete the transaction outside the Promotion Period.
• Your personal details (first name, last name, email) do not match between Finder and Scotiabank.
• You are an existing customer as defined in the Scotiabank Terms and Conditions.
• You redeem another similar Scotiabank promotion or cashback offer (this does not include the welcome offer provided directly by Scotiabank on the Scotiabank Gold American Express Card).
• You are an existing Scotiabank employee or an immediate family member eligible for staff discounts.
• You are not a Finder member at the time of claiming the Reward.

Additional ineligibility conditions will apply, including:

• Purchase of gift cards or use of gift cards for full or partial payment.
• Cancelled, refunded, or returned transactions.
• Use of VPNs or ad blockers during application.
• Applications made through other cashback or rewards websites.
• Fraudulent transactions.
• Purchases using any type of discount which lowers the price advertised on the Scotiabank site, including but not limited to employee discounts, student discounts and price-matching.
• Store promotions, discounts or special deals unless otherwise stated.
• Any Gift Card, Voucher or store credit purchase.
• Purchases made with Vouchers or Promo codes not featured on Finder’s site.

4. Reward amount

The Reward Amount that an eligible customer may claim will be based on the Eligible Product purchased:

• Eligible Product: Scotiabank Gold American Express® Card
• Reward Amount: $175 digital Visa card

5. Limitations

Eligible participants may only receive this Reward once.

Finder reserves the right to cancel or modify these Terms and Conditions or terminate your eligibility at any time, with or without prior notice. Except where required by applicable law, or where Finder reasonably determines that an Entrant has engaged in fraud, abuse, or circumvention of these Terms and Conditions, any modification, suspension, or termination will apply prospectively only and will not reduce or eliminate the Reward for Entrants who completed the Initial Participation Requirements before the effective date of the change, provided those Entrants continue to satisfy the maintenance and Good Faith Participation requirements through the Fulfillment Date.

Eligibility Dispute Window: An Entrant who believes they have met the eligibility requirements but has not received confirmation of eligibility must submit a dispute, together with any supporting documentation Finder requests, within 60 calendar days of the Eligibility Date. Disputes submitted after this window may not be considered.

Activation Window: An Entrant confirmed as eligible must activate the Reward within 12 months of Reward issuance. Rewards not activated within this window may be forfeited.

6. Fulfilment and Tracking

Eligibility check date: On or before December 1, 2026

Reward issued date: On or before January 13, 2027 (upon verification of eligibility)

Additional fulfilment terms:

• Finder will notify eligible members by email when their reward activation link is available in their member dashboard.
• The Reward will be distributed via email by Tremendous.
• The Reward must be activated by the date specified in your email and will remain valid for at least 6 months after activation.
• Rewards are non-transferable, non-exchangeable, and have no cash value.
• Finder.com is not responsible for lost, stolen, delayed, or undeliverable gift cards. However, where a Reward is undeliverable due to an email delivery failure and the Entrant notifies Finder within 60 days of the applicable Fulfillment Date, Finder will make commercially reasonable efforts to reissue the Reward, provided the Entrant remains eligible and the Reward has not already been activated, redeemed, cancelled, expired, or otherwise made unavailable.
• If your Reward has not been issued by the Reward issued date above, you must contact Finder within 60 days of the Eligibility check date to query or claim your Reward. Any enquiries raised after this period will be considered void, and Finder will not be liable to issue the Reward.

To ensure your transaction is tracked:

• Always click through from Finder via the unique promotion link.
• Complete your application within 3 hours of clicking.
• Enable third-party cookies and disable ad blockers.
• Avoid using private browsing or switching devices/browsers mid-session.
• Do not click through from another rewards or cashback site.

7. General Conditions

Finder reserves the right to amend, suspend or cancel this promotion at any time without notice.

Finder may verify participant eligibility and disqualify individuals who breach these terms.

Any costs associated with participation are the sole responsibility of the participant.

To the extent permitted by law, Finder is not liable for any loss or damage arising from this promotion, including technical or fulfilment errors.

This Promotion is subject to all applicable federal, provincial and municipal laws, and is void where prohibited or restricted by law.

Finder has the right to investigate, deny, or reclaim a Reward, and to disqualify any Entrant and/or suspend or terminate their associated Finder Member account, in cases of suspected collusion, use of multiple identities, bot or automated activity, or any other attempt to game, exploit, or circumvent these Terms and Conditions or the intended operation of this Promotion. Following issuance, Finder may invalidate, reverse, or reclaim a Reward only in cases of fraud, identity misuse, material misrepresentation, duplicate reward claims, or other material violation of these Terms and Conditions, and only where permitted by applicable law and technically available through Tremendous or another applicable mechanism. Finder will provide the Entrant with written notice of the basis for any post-issuance recovery and a reasonable opportunity (not less than 14 days) to respond, except where Finder reasonably determines that providing such notice would frustrate an ongoing fraud investigation or would be inconsistent with law-enforcement guidance.

You are solely responsible for reporting and paying any applicable federal, provincial, or territorial taxes arising from receipt of the Reward.

Where Finder is unable to independently verify an Entrant’s completion of the Qualifying Event through Scotiabank-provided data, Finder may request supporting documentation before making an eligibility determination, which may include a dated confirmation email from Scotiabank and/or a screenshot from the Scotiabank app or website showing the relevant account, approval date, and card details. Finder may deny a claim where the requested documentation is not provided within a reasonable time, is incomplete, is inconsistent with Finder’s records, or otherwise fails to evidence timely completion of the Qualifying Event.

Relationship to Finder’s Terms of Use: These Terms and Conditions supplement, and are to be read together with, Finder’s general Terms of Use available on the Finder website. In the event of a conflict specific to this Promotion, these Terms and Conditions control.

Limitation of Liability: To the fullest extent permitted by law, Finder’s total aggregate liability to any Entrant arising out of or in connection with this Promotion is limited to the value of the Reward Amount. Nothing in these Terms and Conditions limits or excludes any liability that cannot be limited or excluded under applicable law.

Severability: If any provision of these Terms and Conditions is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

No Waiver: Finder’s failure to enforce any provision of these Terms and Conditions does not constitute a waiver of that provision or of Finder’s right to enforce it subsequently.

8. Privacy

By participating, you acknowledge that:

• Finder may collect and share your personal information with fulfillment partners, service providers, and Scotiabank for the purposes of processing and verifying your eligibility.
• Finder may use your data for research, marketing, or promotional purposes unless you opt out.
• All entries and participant data become the property of Finder and will be managed in accordance with Finder’s Privacy Policy.
• Personal information collected for this Promotion is retained for 7 years following the Fulfilment Date to comply with tax, accounting, dispute-handling and fraud-prevention obligations, after which it is deleted or de-identified.
• Finder’s Privacy Officer for Canada is David Chen, privacy@finder.com. You may direct any privacy-related questions or requests to this contact.
• If you are a resident of Quebec, the following additional disclosures apply under Quebec’s Law 25:
  • (i) Your personal information may be transferred outside of Quebec, including to Finder personnel and service providers located elsewhere in Canada and in the United States (Finder’s fulfilment provider, Tremendous LLC, is located in the United States). Finder has conducted a privacy impact assessment for these transfers and applies contractual and technical safeguards designed to give your information a level of protection comparable to that required under Quebec law.
  • (ii) Eligibility for this Promotion is verified using automated systems that match Finder records against data provided by Scotiabank. If a decision affecting your eligibility is made based exclusively on automated processing, you have the right under Law 25 s.12.1 to be informed of the principal factors used, to submit observations, and to request that a Finder employee review the decision. Contact the Privacy Officer above to exercise this right.
  • (iii) Finder uses cookies and similar tracking technology (as described in the “Fulfilment and tracking” section) that may allow for profiling. You may disable these functions in your browser, but doing so will prevent your participation from being tracked and may prevent Reward fulfilment.

Please refer to Finder’s Privacy Policy for further details.

9. Not Sponsored or Endorsed

THE REWARD IS OFFERED SOLELY BY FINDER AND IS NOT PROVIDED, SPONSORED, OR ENDORSED BY SCOTIABANK, AMERICAN EXPRESS, OR ANY OF THEIR AFFILIATES.

Scotiabank is a registered trademark of The Bank of Nova Scotia. American Express is a registered trademark of American Express. The Scotiabank Gold American Express Card is issued and administered by The Bank of Nova Scotia under licence from American Express. All other trademarks are the property of their respective owners.

10. Disclosures

Finder does not recommend or endorse Scotiabank or its products. You are responsible for reviewing all relevant terms, fees and eligibility criteria.

Finder may receive a commission if you proceed with the transaction via the Finder Comparison Service.

This promotion may not be combined with other offers unless explicitly stated.

Each Visa or Mastercard Prepaid Card is issued by a bank and subject to additional terms and conditions, which are disclosed to the Recipient at the time of redemption. Digital Prepaid Cards are delivered to Recipients electronically via email at an email address specified by the Recipient at the time of redemption, per Tremendous’ terms.

Contact

If you believe you are eligible and have not received your Reward from Finder, please contact Finder’s customer service using the email linked to your Finder account.