Charlotte vs Army Pick & Prediction - 10/11/2025
Updated July 9, 2026
Charlotte and Army are set to play in college football on Saturday. This American Athletic Conference matchup features two teams that are under .500 for the season. Here, I analyze this matchup from upstate New York and give you my Charlotte vs Army prediction before kickoff.
Odds | Line |
|---|---|
Spread | Army –17.5 |
Moneyline | Army –1000 / Charlotte +600 |
Total | 45.5 points |
Dewayne Coleman handles most of the passing duties for Army. He has thrown for 273 yards with two touchdowns and two interceptions this season. But his impact comes more from running the ball in Army's option offense, as well as making decisions on where the ball should go when running the option.
Charlotte’s quarterback was Conner Harrell, who has passed for 737 yards with four touchdowns and two interceptions. But Harrell has torn his ACL and Zach Wilcke took over for him last week. Wilcke completed 14 of his 18 pass attempts, with two touchdowns and one pick in the loss to USF.
Score Projection: Charlotte 7 – Army 38
Win Probability: Army 89%, Charlotte 11%
Army should be able to win this game convincingly at home to get back to the .500 mark for the year. The Black Knights will be able to run the ball effectively and control the clock. Meanwhile, a quarterback change for Charlotte should make life even tougher on a team that was already going through its share of struggles before Harrell went down. I will lay the points with the Black Knights in this game, as they will get to 3-3 overall and 2-2 in the American Athletic Conference with a victory.
Jay Sanin is the GM and Head of Sports at ATS.io. He has been writing about sports gambling since 2013, handicapping tens of thousands of sporting events. He plays sides and totals aggressively across most sports and is more selective in player prop markets. He does his own modeling across most sports, and his family is jealous of how much time he spends on his precious spreadsheets.
Affiliate Disclosure
ATS.io uses affiliate links. If you sign up through a link on this page, we may earn a commission at no additional cost to you. Rankings are based on hands-on testing and published criteria, and affiliate relationships do not determine placement.
