Charlotte vs Army Prediction, Picks & Odds | 11 Oct 2025

College Football Betting Preview: Charlotte vs Army

Charlotte clash with Army in this NCAAF Week 7 matchup at Michie Stadium, with kickoff scheduled for 12:00 on Saturday 11 October. Our betting preview features expert predictions, picks, the latest betting odds and H2H stats.

Roll the Dice on Teams Scoring Over 46.5

The Overs is sticking out like a sore thumb considering the line for Army and Charlotte is set at 46.5. We’re expecting a bigger total and -110 is available.

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Army Bidding for Another Win

Charlotte 49ers have been beaten in successive games and the latest was on the road at Raymond James Stadium. South Florida claimed a 54-26 win.

Army Black Knights have been handed two home defeats in a row. In their last game, they beat UAB Blazers on the road by a 31-13 scoreline at Protective Stadium.

Charlotte vs Army Prediction & Picks

We dive into the best Charlotte vs Army betting angles, including a key match prediction, our correct score forecast and a value-focused bet builder. Read on for the full breakdown.

Game Prediction

The total line of 46.5 points looks pretty low and we can take advantage by backing the Overs at -110. We can see these college football competitors combining to go bigger.

The CFB handicappers at Sportsgambler.com regularly track injury updates and pair that with current form. We also tap into a deep stats database to highlight the key numbers that help shape our picks.

Key Charlotte vs Army stats:

• The 46.5 line has been covered in the last 4 Charlotte games on the road.
• The 46.5 line has been covered in 8 of the last 10 Charlotte games on the road.
• The 46.5 line has been covered in 16 of the last 20 Charlotte games on the road.
• The 46.5 line has been covered in 7 of the last 10 Army games at home.
• The 46.5 line has been covered in 12 of the last 20 Army games at home.
• The 46.5 line has been covered in the last 2 Army games at home.

Over 46.5 Probability

The top sportsbooks imply that our pick has a 52.4% prospect of winning. However, our cappers think that the probability sits between 55-60% taking all factors into consideration. This college wager can therefore be backed with confidence.

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Best Bet

Over 46.5 Points @ -110 Bet Now

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Correct Score Prediction

Charlotte 13 - 38 Army

Let’s roll the dice and try Army to achieve a 38-13 winning scoreline here. There are huge odds for this potential outcome and it’s a fun type of bet to enjoy.

Charlotte vs Army Odds

The odds and lines are updated on a frequent basis. You might therefore find that they are different to the ones listed for the betting predictions and bet builder tips.

Army Win on the Cards According to the Books

Army are strong -1250 favorites to win this college game according to the Moneyline betting odds. The sportsbooks give them a 93% chance of claiming victory. At +750, Charlotte are regarded as having a lower probability of winning.

The spread currently stands at 18.5 and the total points line is 46.5. A Total wager is always available and can often provide value selections. If you’re wanting to back Over 46.5, the odds are -110.

You’ll find a great variety of team props and game lines for most college football showdowns. The best betting apps provide a strong mix of pre-game and in-game options to suit your betting style.

Moneyline

Charlotte

+750

Army

-1250

Point Spread

Charlotte +18.5

-110

Army -18.5

-110

Total Points

Under 46.5

-110

Over 46.5

-110

Player Props & Micro Betting

The gambling sites will have quarterback and player props available for each game. Check out the various betting lines and take a view on whether a player’s Passing Yards or Receiving Yards will be above or below a certain amount.

An increasing number of bettors are now enjoying micro betting on college football and it’s something which is available on an in-game basis. Wait for the action to start and then wager on something specific to happen.

Army Have Endured Three Straight Home Losses

Army are on a run of three straight losses at Michie Stadium. They own a 7-3 mark in their past 10 home games, putting up 33.00 points per contest and giving up 20.60.

Charlotte have four wins and six losses in the last 10 road games, putting up 22.20 points per matchup and giving up 35.60.

Last 10 Games		W-L	P	PF	PA	O46.5	U46.5
Army Home Stats		7-3	53.60	33.00	20.60	8	2
Charlotte Away Stats		4-6	57.80	22.20	35.60	8	2

• W-L = Wins-Losses
• P = Avg. Points
• PF = Avg. Points For
• PA = Avg. Points Against
• O46.5 = Games Over 46.5 Points
• U46.5 = Games Under 46.5 Points

Last 5 & H2H

Latest regular season and playoff games stats.

Charlotte 49ers Stats

Army Black Knights Stats

Moneyline

• 3 wins and 7 defeats in the last 10 games
• 4 wins and 6 defeats in the last 10 games on the road

Moneyline

• 5 wins and 5 defeats in the last 10 games
• 7 wins and 3 defeats in the last 10 home games

Point Spread

• +18.5 Betting Line: Have covered the spread in 6 of the last 10 games
• +18.5 Betting Line on the Road: Have covered the spread in 6 of the last 10 games on the road

Point Spread

• -18.5 Betting Line: Have covered the spread in 2 of the last 10 games
• -18.5 Betting Line at Home: Have covered the spread in 4 of the last 10 home games

Total Points

• Game Totals: An average of 57.30 pts in the previous 10 games
• Game Totals on the Road: An average of 57.80 pts in the previous 10 games on the road
• Over 46.5: Covered in 6 of the previous 10 games
• Over 46.5 on the Road: Covered in 8 of the previous 10 games on the road
• Team Totals: Have scored an average of 22.20 pts and allowed 35.10 pts in the last 10 games
• Team Totals on the Road: Have scored an average of 22.20 pts and allowed 35.60 pts in the last 10 games on the road

Total Points

• Game Totals: An average of 50.50 pts in the previous 10 games
• Game Totals at Home: An average of 52.00 pts in the previous 10 home games
• Over 46.5: Covered in 5 of the previous 10 games
• Over 46.5 at Home: Covered in 7 of the previous 10 home games
• Team Totals: Have scored an average of 24.40 pts and allowed 26.10 pts in the last 10 games
• Team Totals at Home: Have scored an average of 31.50 pts and allowed 20.50 pts in the last 10 home games

NCAAF Standings Select Season 2025/20262024/20252023/20242022/20232021/20222020/20212019/2020

American Athletic	W	L	PF	PA	N. Pts	Home	Away	Strk
Memphis	6	0	243	97	146	3-0	3-0	6W
Navy	5	0	187	98	89	4-0	1-0	5W
North Texas	5	0	224	100	124	3-0	2-0	5W
Tulane	5	1	157	139	18	3-0	2-1	2W
South Florida	4	1	181	112	69	3-0	1-1	2W
Temple	3	2	151	125	26	2-1	1-1	1W
East Carolina	3	3	171	93	78	2-1	1-2	1L
Rice	3	3	123	129	-6	1-2	2-1	2L
Army	2	3	126	137	-11	0-2	2-1	1W
Florida Atlantic	2	3	144	167	-23	1-1	1-2	1W
UTSA	2	3	146	148	-2	1-1	1-2	1L
UAB	2	3	144	195	-51	2-1	0-2	2L
Tulsa	2	4	112	158	-46	1-2	1-2	2L
Charlotte	1	4	99	171	-72	1-3	0-1	2L