The Charlotte 49ers will head to Tampa to visit the South Florida Bulls on Friday night in college football. The Bulls are one of the stronger non-Power Five programs in college football this year. This home game gives USF a chance to improve to 4-1 on the season and they are heavy favorites to do just that. Before kickoff from Raymond James Stadium, continue reading to get my Charlotte vs South Florida prediction.
Our Charlotte vs South Florida Pick
- Pick: Under 55.5
- Confidence: 3/5
Game Snapshot
- Matchup: Charlotte 49ers vs South Florida Bulls
- Date & Time: Friday, October 3, 2025, 7:00 PM ET
- Venue: Raymond James Stadium, Tampa, FL
- Broadcast: ESPN2
Charlotte vs South Florida Odds
| Odds | Line |
|---|---|
| Spread | South Florida −27.5 |
| Moneyline | Charlotte +1500 | South Florida −5000 |
| Total (O/U) | 55.5 |
Key Storylines
- Home dominance for USF: South Florida has played very well at home early in the 2025 season. They are 2-0 in Tampa and beat a ranked Boise State team there in their first game of the year. The 49ers have yet to play a road game and they are expected to struggle in their first contest outside of Charlotte.
- Disparity in offensive efficiency: Charlotte has yet to score 20 points against an FBS opponent so far this season. USF struggled to move the ball against the Miami Hurricanes and Florida Gators. But they looked very good offensively against Boise and is expected to put points on the board in bunches this week.
- Motivation for statement win: This game is the first conference game of the year for USF and they are heavy favorites to go to 1-0 in conference play. Charlotte lost its first AAC game of the season and will also be motivated to get their first win in conference play.
Quarterback Play
USF’s Byrum Brown is the better of the two quarterbacks in this matchup. He has six touchdown passes and two interceptions for the season and is averaging just under 250 yards per game through the air. Conner Harrell is the starter for Charlotte. He has a total of four touchdown passes through four games and hasn’t helped his team as much as he needs to.
Betting Trends
- Charlotte is 1-3 against the spread so far this season.
- USF has covered the spread in three of its first four games.
- Both teams are 2-2 in over/unders in 2025.
Charlotte vs South Florida Model Projection
Score Projection: South Florida 35 – Charlotte 14
Win Probability: South Florida 88%, Charlotte 12%
Final Thoughts
South Florida holds significant advantages all over the field going into this contest. The question will be whether USF can rack up enough points to cover a point spread that is near four touchdowns. I’m not entirely convinced that they will, though it is certainly possible. Instead of betting the point spread, I think the under is the best bet for this matchup, as Charlotte’s offense shouldn’t contribute much on the scoreboard. We should see this game land in the high 40s to low 50s and the under should cash.
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- Source: https://ats.io/college-football/charlotte-49ers-vs-south-florida-bulls-pick-prediction-10-3-2025/469342/