Quantum machine learning on near-term noisy quantum devices has generated substantial theoretical interest, but rigorous empirical comparisons under realistic noise on practically relevant data remain scarce. This paper compares two paradigmatic quantum learning models, a Quantum Support Vector Machine (QSVM) built on the ZZFeatureMap quantum kernel and a Variational Quantum Classifier (VQC) with an EfficientSU2/RealAmplitudes ansatz, against tuned classical baselines (SVM with four kernels, Random Forest, XGBoost, LightGBM and CatBoost) on the ULB Credit Card Fraud dataset (284,807 transactions, 0.17% fraud). All models share an identical 4-qubit PCA-reduced feature space, evaluated on the full unbalanced test fold over 15 fits (3 folds × 5 seeds) and reported as mean ± standard deviation with bootstrap confidence intervals, AUPRC as the primary metric. Noise robustness is assessed under depolarizing noise , with ranking preservation measured directly through Spearman and Kendall between the noisy and noiseless decision scores rather than read off AUPRC, alongside the per-paradigm computational cost. At four qubits the classical baselines lead (AUPRC 0.60 to 0.74, CatBoost best), above the VQC (0.494) and the QSVM (0.240); the controlled QSVM-versus-RBF–SVM comparison puts the cost of the quantum kernel at about 0.45 AUPRC. Under noise the QSVM keeps its score ranking ( at , 0.906 at ) and an operational decision threshold (recall 0.87 to 0.89, stable calibration), while the VQC AUPRC peaks non-monotonically at (0.494 rising to 0.654, then easing to 0.569 at ) even as its ranking decays monotonically ( from 0.72 to near zero), so average precision on its own misrepresents how noise affects it. The quantum models do not surpass the tuned classical reference at four qubits; the contribution is methodological: under noise, AUPRC has to be read together with a genuine rank statistic, because the two can move in opposite directions.