I did just send feedback the way you suggested. I also just noticed that this thread was started 3 years ago. Seems to me that the request for the Terms field to be available on the Estimate should have fulfilled by now. It can't be that hard to code. 

As someone pointed out, Estimates or quotes should have the payment terms spelled out up front for the customer.

We just transferred to QBO from the desktop version and the feature to put terms on the Sales orders (Estimates) was there.