You can always borrow someone else's phone or use a public phone to call your wife to unlock the car for you.
Worst case is to go buy a new phone and you are back to normal.
Of course. I'm not the "OMG now what do I do?!?" sort; I'd figure it out. Most likely stop in the United Club and borrow a phone... not my first rodeo. Would have to do some mental logistics though for the unlock - once it's unlocked and set to drive, you have 2 minutes. So from the United Club, I'd have her wait 10 minutes to give me time to get out to the garage, etc.
Just saying, it's do-able, but still a PITA. And waking her up at 1am is not preferable. Much easier to have a keycard in my wallet - that I'm carrying anyway - as a backup.
Not sure where I'd buy a phone at 1am in Newark NJ. Or, well, actually, I *do* know where, and it's nowhere I'd want to be.