Kick off your college football weekend Friday night when South Florida hosts Charlotte in an American Conference clash at 7 p.m. on ESPN2.
The Bulls are big favorites against a Charlotte team that will have a new starter at quarterback.
I have your Charlotte vs South Florida prediction and picks for Friday, along with a look at the latest odds
South Florida (3-1; 3-1 ATS) remains on the fringe of the Top 25 and is looking to impress voters when it hosts Charlotte (1-3; 1-3 ATS) Friday at Raymond James Stadium.
The Bulls opened the season with two wins over ranked teams, but were thumped by Miami in Week 3. South Florida leads the all-time series 2-0 and won by 35 points last year.
Charlotte is looking to spring an big upset, and I’ve got your Charlotte vs South Florida prediction, pick and look at the best odds for Friday.
Charlotte vs South Florida Prediction
South Florida was the talk of college football early on, after beating Boise State and Florida, but now we know that the Gators’ win wasn’t all that. South Florida had a chance to beat a third-ranked team when it faced Miami, but got dominated 42-13. They bounced back with a win over South Carolina State last week.
Sports Betting Dime •
October 2, 2025 at 6:53pm
Pick
Odds
HomePointSpread -27
Spread
CFB • Charlotte 49ers @ South Florida Bulls
-110 on Fanatics
CLOSED • 10/03/2025
See all 1 picks
Tally (Win %)
1-0-0 (1%)
Money Meter
$9.09
ROI
90.9%
Betslip #1759431232617-2715-435
Charlotte is in full-scale rebuild under new coach Tim Albin, who came over after having success at Ohio University. Their only win is against an FCS squad, Monmouth, by a touchdown. Not that impressive.
Things got worse for the Miners last week in a 28-17 loss to Rice when starting quarterback Conner Harrell got knocked out with an injury. He’s out for the year. Charlotte has turned to Duke transfer Grayson Loftis behind center. The news got worse for South Florida, who also lost starting running back Henry Rutledge to an injury for the season.
Charlotte vs USF Picks
South Florida -27.5 (-105 at BetMGM)
Over 54.5 (-115 at BetMGM)
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Oddsmakers have the total at 55 at Bet365 and FanDuel. Its 54.5 at BetMGM. Both teams are 2-2 over/under this season. The best moneyline number is +2200 for Charlotte at FanDuel and -4500 for South Florida at Caesars.
Into the details for the Robo Bull 🧵#ComeToTheBay | #StayInTheBay pic.twitter.com/y5h0AUMJsF
— USF Football (@USFFootball) October 1, 2025
South Florida has covered the spread easily in the first two meetings. They were 1.5-point favorites last year (won by 35) and 7-point favorites in 2023 (won by 34). The favorite has covered in Charlotte’s four games this season. The Miners have lost their last nine road openers.
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