Well, at the risk of being chastised for bringing this up, I admit that I belong to several dining club establishments (not Burger Kind or KFC) that charge a nominal fee ($50) to get money back when dining there. Call me crazy, shoeman1000 and others, but economically--given the net present value of money, to which we all subscribe, even if it seems to make no sense, this works for Mrs. Anadyr and moi.
Now the National Restaurant Association, an association of restaurants (who knew?) commissioned a study to determine if paying making it better as far as customer loyalty goes. Here is an executive summary of that study.
So are you willing to pay cash money to belong to a loyalty program?
Of course if you get something back in return!