I don't see what Silver has anything to do with this. The reason it says up to five is because it's one for purchases and five for Marriott stays. When staying at Marriott properties you get ten points per dollar and then whatever bonuses. I am Platinum, but the credit card bonuses have nothing to do with your Marriott Status. I assure you I have read this application correctly would you also like a fax? An example being if I spend $200 at a hotel I get 2,000 Marriott points plus another 1,000 Platinum points(50% bonus) and if I use my new card, I get the $200x5 which is another 1,000 points. Next month I will have a $10,000 Marriott stay so with this card I will get another 50,000 points. Believe me I have over 2 million Marriott points and over 2.3 million Hilton points I know how to play these little games pretty well.