I received a photocopy of the application from milesrus, and I agree with the comments above. The wording is unclear and confusing, but the part about only one point per dollar spent on non-Marriott purchases is quite clear. I remain confused about how you earn five points per dollar on Marriott purchases, and the application did not make this clear. While I will monitor this situation in the future, I'm not going to spend any more time or energy on it. For now, I will only use the card for Marriott stays, and stick with the Hilton Amex card for "regular" purchases.