The October 3, 2025 matchup between the Charlotte 49ers and the South Florida Bulls at Raymond James Stadium brings together two programs trending in different directions, with Charlotte searching for stability after a rough start and South Florida riding momentum from an impressive opening stretch that included a blowout win over Boise State and a shocking upset of Florida. The 49ers arrive at 1–3, struggling to find balance offensively as they average just 18.3 points per game while mustering fewer than three yards per carry on the ground, leaving their passing game with the difficult task of carrying the offense behind an offensive line that has had protection issues. Charlotte’s defense has been equally problematic, surrendering nearly 29.3 points per game, a number that doesn’t inspire confidence against a Bulls team that has shown the ability to score in bursts, push tempo, and exploit mismatches both on the perimeter and between the tackles. South Florida, meanwhile, has established itself as one of the surprise teams in the AAC, building credibility with big-play capability and a newfound confidence that allows them to take the field expecting to win, not just compete.

Their offense has looked balanced, using tempo and creative play-calling to stretch defenses horizontally and vertically, while the defense has made strides in discipline and execution, stepping up in high-leverage situations against strong competition. The keys to this game will be turnovers, tempo control, and red-zone efficiency; Charlotte must slow the game down, limit possessions, and force South Florida to grind out drives, while USF will want to dictate pace, stress the 49ers’ secondary, and keep pressure on throughout four quarters. Special teams could be a hidden factor, especially if Charlotte can flip field position or steal a score to stay close, but USF’s depth and rhythm make them favorites to handle those situations as well. From a betting perspective, South Florida’s early ATS success and Charlotte’s struggles to cover on the road suggest that the market will lean heavily toward the Bulls, but conference games often produce volatility, and Charlotte’s underdog status could provide sneaky value if they can generate turnovers and string together big plays. Ultimately, the contest feels like one where South Florida’s momentum, home-field edge, and balance make them the team more likely to control the flow, but Charlotte will arrive with nothing to lose, hoping that resilience, opportunism, and a little chaos can help them punch above their weight and make this a closer game than expected.