Memphis vs Charlotte Prediction, Odds, Picks, Best Bets for Week 5 2026

The Saturday schedule in college football includes a matchup between the Memphis Tigers and the Charlotte 49ers.

Before you place your bet on this game at FanDuel Sportsbook, here are the NCAA football odds and spreads you need to know.

Memphis vs Charlotte Odds & Spread

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• All college football odds, betting lines and prop bets are available on FanDuel Sportsbook.
• Moneyline: Memphis: (-1695) | Charlotte: (+890)
• Spread: Memphis: -20.5 (-108) | Charlotte: +20.5 (-112)
• Total: 52.5 -- Over: (-106) | Under: (-114)

Memphis vs Charlotte Betting Trends

• Memphis has won twice against the spread this year.
• Memphis has no wins ATS (0-1) as a 20.5-point favorite or greater this season.
• There have been three Memphis games (of four) that hit the over this season.
• Charlotte has won twice against the spread this season.
• Charlotte has covered every time (1-0) as a 20.5-point or greater underdog this season.
• Charlotte has had one game (of four) go over the total this season.

Memphis vs Charlotte Prediction & Pick

All college football win probability predictions and picks are according to numberFire.
Prediction: Tigers win (90.6%)

Memphis vs Charlotte Point Spread

Memphis is favored by 20.5 points versus Charlotte. Memphis is -108 to cover the spread, while Charlotte is -112.

Memphis vs Charlotte Over/Under

The Memphis-Charlotte matchup on Oct. 3 has been given an over/under of 52.5 points. The over is -106 and the under is -114.

Memphis vs Charlotte Moneyline

Charlotte is a +890 underdog on the moneyline, while Memphis is a -1695 favorite.

Memphis vs. Charlotte Points Insights

Memphis vs. Charlotte Game Info

• Game day: Saturday, October 3, 2026
• Game time: 11 a.m. ET
• TV channel: ESPN+
• Location: Charlotte, North Carolina
• Stadium: Jerry Richardson Stadium

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Check out even more in-depth Memphis vs. Charlotte analysis on FanDuel Research.