Stablecoin/btc staking - best options

Hello, some time ago I sold some of my crypto to fiat.

I'm looking for some stablecoin deposits where I can earn high % per year.

I've checked for example crypto.com / yield.app, some comparison:

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10k USDC + 0 tokens:

• crypto.com - 1000 USDC per year
• yield.app - 1050 USDC + 425 YLD = 1250 USDC per year for this moment

10k USDC + 4000 CRO (600 USD) or 5000 YLD (2.5K USD):

• crypto.com - 1200 USDC per year
• yield.app - 1050 USDC + 1050 YLD = 1544 USDC per year for this moment

Looks like yield.app is better in that case, but crypto.com gives us possibility to use credit card, get some another profits etc.

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What do you think which choose is better? As this are my savings I'm looking for something safe. I have another crypto for more risky trades :) Also do you know how that apps act in case of economics fall? Thanks!