For a person needing basic phone capabilities, the Nokia 520/521 is better based on the price. For less than $50, I got the Nokia 520/521 smartphone, which is going to replace my dumbphone.

You can find the Nokia 520 on sale for $49.99 and the Nokia 521 on sale for $59.99 right now.

Use coupons and promotional gift cards to lower the price.

Hi Don. Check link below for the specs comparison of the two phones.

Link: Nokia Lumia 520 and Nokia Lumia 720 comparison

You can also read user and expert reviews to determine which of the two is better.

Link: Nokia Lumia 520 reviews Nokia Lumia 720 reviews