Charlotte 49ers Odds

Charlotte 49ers Football 2025

In 2024, the Charlotte 49ers struggled to compete with the top teams in their conference. Finishing with a 5-7 record overall and a 4-4 showing in conference play, Charlotte made a new move at head coach. Tim Albin will be their head coach for their 2025 season after recently coaching in Ohio. He brings a lifetime head coaching record of 58-27.

The 49ers are likely having transfer QB Grayson Loftis start for them this season. Loftis is a sophomore with little starting experience in the past, so other QB transfers like Conner Harrell and Zach Wilcke may get chances to compete too. RB Henry Rutledge looks forward to being the starting RB for Charlotte after playing backup recently.

Here's how you can bet on Charlotte this season, and some key things to know.

Betting on the Charlotte 49ers

Charlotte Point Spreads

Point spreads are a popular bet one can make on either team in a college football game and are based on the margin of victory for the winning team.

A Charlotte spread might look like this:

• Charlotte +3.5 (-110)
• Tulane -3.5 (-110)

A 31-28 loss for Charlotte is still a win for spread bettors since the three-point margin of defeat is less than the 3.5-point spread. Spread tickets on the 49ers would cash with any loss of three or fewer points, or an outright win.

FAQ: Everything you need to know about point spreads

Charlotte Over/Unders

Over/unders, or totals, are bets on the number of points scored in the game. If the total is set at 50.5 for a Charlotte 49ers game, then the over bettor would need the total to finish at 51 or more for their bet to win. The under bettor would need the total to finish at 50 or less to win their bet.

FAQ: Betting the point total, explained | What is a push?

Charlotte Moneylines

While spread bets depend on the amount of the victory, moneyline bets are a bit simpler, as all that matters is which team wins. Let's look at an example:

• Charlotte -160
• SMU +180

The minus (-) and plus (+) signs distinguish the favorite from the underdog, making Charlotte the favorite in this scenario. Odds can be understood more clearly if you think in terms of $100 increments. A wager on the 49ers odds would mean every $160 bet nets $100. And it's the opposite for underdogs: Here, the SMU moneyline was set at +180, meaning a $100 wager would profit $180.

Moneylines are also commonly used when making parlays, which are multiple bets tied into one. Let’s say you bet on Charlotte's moneyline and the Over, both bets would need to win for that parlay to be successful. The risk may be greater, but so is the reward with increased odds. Use our Odds Calculator to calculate any bet amount or conversion.

FAQ: How to bet on the moneyline | How to make a parlay

Charlotte Props

Player props are bets on how much of a specific statistic a player will accumulate.

For example, you could bet on how many touchdown passes Loftis will throw in a game or bet over or under on RB Henry Rutledge's rushing yards. Many skill position players (and some defenders) will have a variety of props available to bet each game.

FAQ: Here’s how prop betting works

Charlotte Futures

Futures are somewhat similar to prop bets in the way both are monitored over the course of a season. However, most future bets are focused on end of season success. Examples of futures are:

• Charlotte 49ers odds to win the AAC
• Charlotte 49ers odds to reach the College Football Playoff

If you think the 49ers can take a leap in the AAC this season, this is the bet to make. These types of bets are called futures, and they're just wagers on things that settle at the end of the year. For a full list of college football futures, click or tap here.

Make sure to check out our sportsbook reviews for more information on what’s available in your state and exclusive sign-up bonuses and promo codes.