I can't think of a single chain restaurant that I would pay to eat at. Now, if someone is taking me out and insists on a chain, well, I never pass up a free meal.
The worsts are:
Cracker Barrel (actually, I would pass up a free meal here)
Applebees
This is fast food, but as far as burgers go, I really like
Back Yard Burgers. They are based in Memphis and have spread throughout the southeast. I even saw one in Dallas.