Originally Posted by 84fiero

Ink Cash is a regular Visa card - I have it as well. At the end of the 12 months the interest rate just adjusts back up to the regular purchase rate (or BT rate as applicable). You're not required to pay off the balance within 12 months or face up to 12 months of back interest, as is the case with store cards like the Lowe's you mentioned. The worst that happens with a late payment is a $39 late payment fee or potentially the interest rate reverting back to your standard rate earlier...the card agreement will specify if so. Chase is very easy to set up and manage payments, set account alerts, etc. FWIW