College Football Moneyline Picks for Week 13

This has been the season from hell for Belichick and the UNC Tar Heels, but they'll pull off an upset win over the rival Blue Devils in Week 13.

JD Yonke - Betting Analyst at Covers.com
JD Yonke • Betting Analyst
Nov 19, 2025 • 10:12 ET • 4 min read
North Carolina Tar Heels head coach Bill Belichick reacts against the California Golden Bears in the first quarter at California Memorial Stadium.
Photo By - Imagn Images. North Carolina Tar Heels head coach Bill Belichick reacts against the California Golden Bears in the first quarter at California Memorial Stadium.

The penultimate weekend of the college football regular season has arrived as we turn our attention to Week 13.

Let’s take a closer look at the top games on the board and pick winners for each contest.

Here’s who I have coming away victorious this weekend with my moneyline plays and college football picks for Week 13 on Saturday, November 22.

Week 13 college football moneyline picks

Matchup Pick
Missouri Missouri vs Oklahoma Oklahoma Oklahoma -300
Louisvilla Louisville vs SMU SMU SMU -137
USC USC vs Oregon Oregon Oregon -360
Kentucky Kentucky vs Vanderbilt Vanderbilt Vanderbilt -365
Arkansas Arkansas vs Texas Texas Texas -350
Duke Duke vs UNC North Carolina UNC +198
TCU TCU vs Houston Houston TCU -104
Tennessee Tennessee vs Florida Florida Tennessee -184
BYU BYU vs Cincinnati Cincinnati BYU -138
Pittsburgh Pittsburgh vs Georgia Tech Georgia Tech Pittsburgh +114

Lines courtesy of FanDuel as of 11-19.

Covers NCAAF Weekly Challenge

Enjoying Covers content? Add us as a preferred source on your Google account Add as a preferred source on Google

Expert Week 13 CFB moneyline picks

Missouri vs. Oklahoma: Oklahoma Oklahoma (-300)

No. 22 Missouri has fallen short every time it's faced a tough opponent, losing to Alabama, Vanderbilt, and Texas A&M. No. 8 Oklahoma’s feisty defense (14.8 ppg allowed, fifth in success rate) will be the best unit on the field, so Brent Venables will need to rely on that side of the ball so long as the offense continues to struggle.

Louisville vs. SMU: SMU SMU (-137)

SMU’s defense has been terrific on standard downs but vulnerable on passing downs due to its leaky secondary. That concern is mitigated against a Louisville offense that has struggled to get the passing attack working all year. SMU will "get right" here.

USC vs. Oregon: Oregon Oregon (-360)

One of the top matchups of the weekend still sees No. 7 Oregon as a 9.5-point favorite over No. 15 USC. Dan Lanning’s squad has the defensive prowess to slow down Jayden Maiava and company. On the other side of things, the Ducks will be able to run the ball against USC’s faulty run defense.

Kentucky vs. Vanderbilt: Vanderbilt Vanderbilt (-365)

Kentucky has been scrappy en route to a 5-5 record, but Mark Stoops’ squad still doesn’t do much particularly well and is outmatched by the 8-2 Commodores. No. 14 Vanderbilt still has a shot of making the College Football Playoffs, which would be huge for a program of this ilk, so expect a concentrated effort from Diego Pavia and company following the bye week. 

Arkansas vs. Texas: Texas Texas (-350)

All Arkansas has done lately is lose close games. This one could come down to the wire, but I can’t pick Bobby Petrino to pick up his first win as the interim head coach, considering his 0-5 record and the difficult matchup. Even though it’s an uphill battle, No. 17 Texas still has a shot at making the playoffs, and this is a get-right spot at home against one of the nation’s worst defenses.

Duke vs. North Carolina: UNC UNC (+198)

You called for more upsets? How about Bill Belichick as a significant underdog at home in a game where his team will have a huge defensive advantage? Duke played itself out of the ACC race thanks to its moribund defense, so the Tar Heels should be able to score more than usual and then rely on a defense allowing fewer than 4.5 yards per play in four of its last five games. 

TCU vs. Houston: TCU TCU (-104)

Call it like it is — No. 23 Houston has benefitted from a soft schedule en route to a national ranking. The Cougars’ best win was against Arizona State, sans Jordyn Tyson, in a game in which quarterback Sam Leavitt left early due to injury. They’ve also managed to lose to West Virginia and narrowly escape a 2-9 Oregon State team in overtime. It’s a quality matchup for TCU’s defense, which is decent against the run, because that’s what Houston wants to do offensively. 

Tennessee vs. Florida: Tennessee Tennessee (-184)

No. 20 Tennessee’s offense is the best unit on the field by a mile, according to the metrics. Josh Heupel’s 7-3 squad is the rightful favorite over the 3-7 Florida Gators, who have yet to come away with a win in three attempts under interim head coach Billy Gonzales. 

BYU vs. Cincinnati: BYU BYU (-138)

Just how good is this 7-3 Cincinnati team? It’s hard to tell, but the Bearcats don’t have many quality wins and have lost two in a row now by a combined score of 75 to 38. The defense has been a problem all year, whereas BYU is solid on both sides of the ball, so here’s betting Kalani Sitake’s squad exposes the Cincinnati “stop unit” for a third consecutive game.

Pittsburgh vs. Georgia Tech: Pittsburgh Pitt (+114)

This one is likely to be a back-and-forth shootout with high volatility, and the outcome matters a lot in the ACC race. This matchup sets up well for Pitt on paper because its vaunted passing attack should find success against a miserable No. 16 Georgia Tech secondary. While on defense, Pitt shuts down the running game, and that’s where Tech excels. I can’t trust Brent Key’s team after it allowed over 8.0 yards per play in two consecutive games.


Covers college football betting tools

Odds are correct at the time of publishing and are subject to change.
Not intended for use in MA.
Affiliate Disclosure: Our team of experts has thoroughly researched and handpicked each product that appears on our website. We may receive compensation if you sign up through our links.

Pages related to this topic

JD Yonke
Betting Analyst

JD is a diehard college football fan with five years of experience writing betting and fantasy content for publications such as SportsGrid, Fantasy Points, Fantrax, and Devy Watch. An avid reader, he uses his inclination to look at things with an exhausting and in-depth, analytic viewpoint combined with a love for statistics and metrics to form a well-rounded handicapping approach.

e's an integral member of the niche (but growing!) college fantasy football community, twice traveling to Canton, OH for the Fantasy Football Expo as a member of the CFF King's Classic drafting squad. His specialization in college football DFS and prop betting taught him that there are exploitable markets to be found and that narrowing your focus is integral to being a profitable bettor.

A lifelong Californian who grew up playing baseball, basketball, football, and lacrosse, he's glad to share a passionate love for sports with this wonderful community.

Popular Content

Covers is verified safe by: Evalon Logo GPWA Logo GDPR Logo GeoTrust Logo Evalon Logo