Can any one answer the word problems ?

Taking algebra two apex courses and need with these questions

Factor the polynomial expression x6 – x3 – 20

You are looking for your first credit card. you plan to use this credit card only for emergencies and to pay the credit card balance in full each month. which credit card feature is most important? a. no annual fee b. low apr c. generous rewards program d. no balance transfer fee select the best answer from the choices provided