If You Eat Out 2-3 Times a Week, This Card Can Earn You Hundreds
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For many families, food delivery and restaurant dining has become like a second rent payment.
Two burrito bowls and a side of chips? $38.
Saturday brunch? $82.
"Let's just grab Chick-fil-A on the way home?" Suddenly it's $31.42.
Eating out isn't a luxury anymore -- it's regular life. And if you're doing it even 2-3 times a week, the right rewards card can turn that spending into serious cash back or travel points.
That's why I've been recommending the Wells Fargo Autograph® Card (rates and fees) lately.
It earns a flat 3X points on the categories people actually use -- without charging an annual fee.
Earn 3X points on dining, take out, and more
Here's the magic of the Wells Fargo Autograph card: You earn 3X points on dining -- including restraurants, fast casual spots, cafés, delivery, and takeout.
That's an amazing rewards rate for a card with no annual fee.
If you eat out:
- 2 times a week at $50 per visit, that's ~$430 per month
- 3 times a week at $50 per visit, that's ~$650 per month
Run that spending through the Wells Fargo Autograph® Card and you'll stack thousands of points each year… without changing anything you're already doing.
Plus, the 3X points extends to other spending categories also:
- 3X at gas stations
- 3X on transit (rideshare, parking, tolls, trains, buses)
- 3X on cellphone plans
- 3X on popular streaming services
- 3X on travel (hotels, flights, car rentals)
It's basically designed for most people's weekly routine: grab food, fill up the tank, live life.
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Intro APR 0% intro APR for 12 months from account opening on purchases
Purchases: 0% intro APR for 12 months from account opening on purchases
Balance Transfers: N/A
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
1X-3X points
Annual Fee
$0
Welcome Offer Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
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This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top.
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- Strong welcome bonus for a no annual fee card
- Earn Unlimited 3x points on useful categories
- Cellphone protection
- Other cards offer larger bonuses, though they usually come with annual fees
- The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
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- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
How much you can earn
No kidding, one of my friends here in LA spends around $2,000 a month on restaurants for her family of four.
At a 3X rewards rate, she'd be looking at roughly 72,000 points per year, worth about $720 in rewards… just for buying food outside the home.
But even if you're nowhere near that level of spending, the numbers still add up fast.
Here's what the Wells Fargo Autograph® Card earns based on typical weekly food-out budgets:
| Weekly Spend | Annual Rewards | Approx. Value |
|---|---|---|
| $100 | 15,600 points | $156 |
| $200 | 31,200 points | $312 |
| $300 | 46,800 points | $468 |
So if your family orders takeout a couple nights a week or defaults to Chick-fil-A after soccer practice, that's real money back in your pocket.
And that's before any other spending. If you also put $300 a month in gas on the Wells Fargo Autograph® Card (another 3X category), that's another $100+ in rewards for the year.
A quick boost from the welcome offer
The Wells Fargo Autograph® Card also gives you a fast head start with a welcome offer for new cardholders.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
That's money you could use toward your next trip, a statement credit, or even dining out some more.
The bottom line
If you're already grabbing takeout, meeting friends for dinner, or ordering DoorDash when life is chaos (that's me every Wednesday), the Wells Fargo Autograph® Card pays you for the life you're already living.
And with no annual fee, every reward you earn is pure upside.
Small credit card perks like this don't overhaul your budget, but they do move you forward.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.