In a large bowl, combine the ground chicken, mayonnaise, panko, garlic, onion powder, salt, and pepper. Mix gently until just combined — don't overmix.
Divide into 4 portions and shape into patties about 3/4 inch thick.
Heat the olive oil in a large skillet over medium heat.
Cook the patties for 5-6 minutes per side, until golden brown and the internal temperature reaches 165°F. Avoid pressing down on the patties while they cook.
If using cheese, add a slice to each patty during the last minute of cooking and cover the skillet to melt.
Let the patties rest for 1-2 minutes, then serve on toasted buns with desired toppings.