South Florida Bulls vs Charlotte 49ers Prediction & Picks - NCAA

USA - NCAA

South Florida Bulls
10/3/25 19:00
Charlotte 49ers

Prediction:

 

USF -27.5

-110
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 by Travis Pulver | in NCAA Picks

The Charlotte 49ers will head out onto the road for the first time this season when they head down to southern Florida to take on the USF Bulls at Raymond James Stadium in Tampa, FL. Gametime for this American Athletic Conference opener for both teams is set to kick off at 7 p.m. EST on Friday, Oct. 3.

Charlotte will certainly have its hands full facing a USF team that opened the season against three ranked teams, beating two of them. The Bulls dominated No. 25 Boise State in their season opener, 34-7, before winning a close one against No. 13 Florida, 18-16. But the following week saw them come back down to Earth after getting manhandled by Miami, 49-12. They dominated South Carolina State 63-14 before last week’s bye. The Bulls are not exceptional on either side of the ball, but good on both, ranked No. 55 in offensive (31.8 ppg) and defensive (21.5 ppg allowed) scoring. As for the 49ers, Charlotte opened the season with a four-game homestand and went 1-3 while scoring 31 total points in all three losses.  They struggle to run the ball, averaging 88.3 yards per game, but aren’t bad at passing it (258.3 yards per game). The 49ers are scoring 18.3 ppg while allowing 29.3.

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South Florida Bulls vs Charlotte 49ers Form

Table

Teams Pts P W L
5 South Florida Bulls
0.75 8 6 2
14 Charlotte 49ers
0 8 0 8

South Florida Bulls and Charlotte 49ers Latest Matches

South Florida Bulls
South Florida Bulls Latest matches
L W W W L W
Victories

4/6 (67%)

Defeats

2/6 (33%)

Sep 20, 2025 - NCAA

South Florida Bulls
63 :  14
South Carolina State Bulldogs

Sep 13, 2025 - NCAA

Miami Hurricanes
49 :  12
South Florida Bulls

Sep 6, 2025 - NCAA

Florida Gators
16 :  18
South Florida Bulls

Aug 28, 2025 - NCAA

South Florida Bulls
34 :  7
Boise State Broncos

Oct 19, 2024 - NCAA

South Florida Bulls
35 :  25
UAB Blazers

Oct 12, 2024 - NCAA

South Florida Bulls
3 :  21
Memphis Tigers
L L W W W
Victories

3/5 (60%)

Defeats

2/5 (40%)

Sep 20, 2025 - NCAA

South Florida Bulls
63 :  14
South Carolina State Bulldogs

Aug 28, 2025 - NCAA

South Florida Bulls
34 :  7
Boise State Broncos

Oct 19, 2024 - NCAA

South Florida Bulls
35 :  25
UAB Blazers

Oct 12, 2024 - NCAA

South Florida Bulls
3 :  21
Memphis Tigers

Sep 21, 2024 - NCAA

South Florida Bulls
15 :  50
Miami Hurricanes
L W L W L
Victories

2/5 (40%)

Defeats

3/5 (60%)

Sep 13, 2025 - NCAA

Miami Hurricanes
49 :  12
South Florida Bulls

Sep 6, 2025 - NCAA

Florida Gators
16 :  18
South Florida Bulls

Sep 28, 2024 - NCAA

Tulane Green Wave
45 :  10
South Florida Bulls

Sep 14, 2024 - NCAA

Southern Miss Golden Eagles
24 :  49
South Florida Bulls

Sep 7, 2024 - NCAA

Alabama Crimson Tide
42 :  16
South Florida Bulls
Charlotte 49ers
Charlotte 49ers Latest matches
L L W L
Victories

1/4 (25%)

Defeats

3/4 (75%)

Sep 18, 2025 - NCAA

Charlotte 49ers
17 :  28
Rice Owls

Sep 13, 2025 - NCAA

Charlotte 49ers
42 :  35
Monmouth Hawks

Sep 6, 2025 - NCAA

Charlotte 49ers
3 :  20
North Carolina Tar Heels

Aug 29, 2025 - NCAA

Charlotte 49ers
11 :  34
Appalachian State Mountaineers
L L W L
Victories

1/4 (25%)

Defeats

3/4 (75%)

Sep 18, 2025 - NCAA

Charlotte 49ers
17 :  28
Rice Owls

Sep 13, 2025 - NCAA

Charlotte 49ers
42 :  35
Monmouth Hawks

Sep 6, 2025 - NCAA

Charlotte 49ers
3 :  20
North Carolina Tar Heels

Aug 29, 2025 - NCAA

Charlotte 49ers
11 :  34
Appalachian State Mountaineers

South Florida Bulls - Charlotte 49ers Key Points

  1. USF and Charlotte have played twice; the Bulls won both games in dominant fashion, 48-14 and 59-24.
  2. Both teams were on a bye last week.
  3. Betting Public: 92% of moneyline tickets and 78% of the handle are on USF.
  4. Betting Public: TOTAL tickets are split with roughly 50% taking the OVER and 50% taking the UNDER. But 66% of the handle is on the OVER and 34% the UNDER.
Up to $250 to bet on South Florida Bulls - Charlotte 49ers! 

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Our South Florida Bulls vs Charlotte 49ers Prediction

South Florida is not a great team like Miami, but they are a solid, good overall team without a glaring, easy-to-exploit weakness. At least not one that a team like Charlotte could take advantage of. Charlotte ranks amongst the lower third of college football teams in many significant categories, and over No. 100 in quite a few. They have some promising players on both sides of the ball, but not enough to be competitive vs. USF.

Our Charlotte vs. USF Pick: USF -27.5

Prediction:

 

USF -27.5

-110
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All tips are fully researched and given in good faith, but profits cannot be guaranteed.

South Florida Bulls vs Charlotte 49ers Picks