$20 a year right?
So if I understand correctly from reading the online faq sheet:
it is $20 a year and you are here say 5 months a year then that's $4 a month. If you drink martinis you save $3 so 2 a month puts you in the black. The points for cash back thing is just dumb and the math doesn't work out for most people if that is your goal.
Otherwise you are paying $4 a month so you can get call ahead seating (they put you on the waiting list when you call) or reservations for large groups. I have a PF Chang card which was free but it gives me call ahead wait listing at my local mall which saves me about 30 min a trip and if I had to pay $20 for it I would especially as I get a free desert to share most months as a member special. I agree it should be called priority member instead of loyalty badly named.
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My opinion is worth what it costs that and $3.75 will get you a cup of coffee 
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