If you’ve ever stared at a Saturday college football board until the spreads started to blur, this one’s for you. We fed every AP Top 25 showdown from Week 13 into ChatGPT and asked a simple question: “Who actually wins?” No point spreads, no teaser math — just straight-up moneyline NCAAF picks using FanDuel odds.
From massive SEC mismatches to ranked-on-ranked thrillers that could tilt the playoff picture, our AI is taking its best shot at calling every big game. Think of it as a fearless betting buddy — relentlessly logical, totally unemotional, and ready for a full day of chaos.
NCAAF Week 13 moneyline picks
| Matchup | Pick |
|---|---|
 Rutgers vs No. 1  Ohio State |
-8000 |
 Samford vs No. 3  Texas A&M |
N/A |
 No. 22 Missouri vs No. 8  Oklahoma |
-300 |
No. 13  Miami vs  Virginia Tech |
-1100 |
No. 18  Michigan vs  Maryland |
-650 |
 Charlotte vs No. 5  Georgia |
N/A |
 Eastern Illinois vs No. 10  Alabama |
N/A |
No. 21  Illinois vs  Wisconsin |
-3500 |
No. 15  USC vs No. 7  Oregon |
-360 |
 Syracuse vs No. 9  Notre Dame |
N/A |
 Arkansas vs No. 17  Texas |
-350 |
 Kentucky vs No. 14  Vanderbilt |
-365 |
 TCU vs No. 23  Houston |
-115 |
 Kansas State vs No. 12  Utah |
-950 |
 Pittsburgh vs No. 16  Georgia Tech |
-137 |
No. 20  Tennessee vs  Florida |
-184 |
No. 11  BYU vs  Cincinnati |
-138 |
No. 24  Tulane vs  Temple |
-138 |
No. 25  Arizona State vs  Colorado |
-265 |
Odds courtesy of FanDuel.
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Rutgers vs No. 1 Ohio State
Moneyline prediction: Ohio State (-8000)
Odds: Ohio State -31.5; total 55.5.
Ohio State has absolutely owned this matchup, going 10-0 against Rutgers since 2014 with an average margin north of 30 points, and the closest game still a 19-point Buckeye win.
Their 2025 team adds fuel to that trend, pairing an elite defense allowing under a touchdown per game with an efficient offense pushing mid-30s in scoring.
Rutgers is improved and well-coached, but it still lacks Ohio State’s depth of blue-chip talent at quarterback, receiver and across the defensive front. Over four quarters, that talent gap usually turns competitive early stretches into another multi-score Buckeye runaway in front of home fans.
Samford vs No. 3 Texas A&M
Moneyline prediction: Texas A&M
Odds: Texas A&M -54.5; total N/A
Even without a posted moneyline, a -54.5 spread tells the entire story. This is the classic late-season paycheck game, and the number indicates that anything short of a blowout would be a surprise. The lack of a moneyline often means it would be so extreme that it isn’t practical to offer to most bettors. From a straight-up perspective, this is as lopsided as it gets. The pick, without hesitation, is Texas A&M.
No. 22 Missouri vs No. 8 Oklahoma
Moneyline prediction: Oklahoma (-300)
Odds: Oklahoma -7.5; total 42.5.
This is one of the more competitive ranked matchups, but the Sooners are still more than a touchdown favorite. A -7.5 spread with a relatively low total implies a game with some defensive bite and limited possessions, which favors the more efficient side. Oklahoma’s moneyline of -300 reflects a strong, but not absolute, edge. Straight up, the combination of home field and the market’s respect pushes this pick to Oklahoma.
No. 13 Miami vs Virginia Tech
Moneyline prediction: Miami (-1100)
Odds: Miami (FL) -17.5; total 48.5.
Miami is laying nearly three touchdowns and an enormous moneyline price, signaling a clear talent gap. A -17.5 spread with a modest total suggests books expect the Hurricanes’ defense to keep things under control while the offense steadily pulls away. Upsets happen, but from a straight-up perspective, the implied probability on -1100 is huge. For a moneyline pick only, the model leans heavily toward the ranked favorite: Miami to win outright.
No. 18 Michigan vs Maryland
Moneyline prediction: Michigan (-650)
Odds: Michigan -13.5; total 45.5.
Michigan is favored by nearly two touchdowns in what projects as more of a grind-it-out contest, given the 45.5 total. That combination usually indicates the favorite’s defense is trusted to limit big plays while the offense leans on long, clock-chewing drives. Upsets in this range happen, but a -650 moneyline signals a heavy lean toward the Wolverines. For a straight-up result, the model rides with the ranked team: Michigan to take care of Maryland.
Charlotte vs No. 5 Georgia
Moneyline prediction: Georgia
Odds: Georgia -43.5; total 52.5.
Georgia is laying over six touchdowns, with a total that suggests the Bulldogs could threaten the Over almost by themselves. The locked moneyline likely would have been massive. Markets rarely make mistakes this large on who wins, only on how much they win by. Charlotte’s role here is to try to cover or survive; pulling the outright upset would be one of the shocks of the season. For a moneyline call, it’s Georgia and nothing else.
Eastern Illinois vs No. 10 Alabama
Moneyline prediction: Alabama
Odds: N/A
The case for a Crimson Tide blowout is straightforward. Alabama typically fields blue-chip talent two and three deep at every position, built on Top-5 recruiting classes and SEC-level size and speed. Eastern Illinois, as an FCS program, simply cannot match that depth in the trenches or on the perimeter.
Over four quarters, Alabama’s defensive front will suffocate the Panthers’ run game while relentless pressure forces mistakes. Short fields, special-teams advantages, and second-half backups still producing points all point to a lopsided Tide win.
No. 21 Illinois vs Wisconsin
Moneyline prediction: Illinois (-330)
Odds: Illinois -8.5; total 40.5.
A low total of 40.5 paired with an -8.5 spread says “defensive slugfest where one side is clearly better.” In that setup, the favorite usually needs only a couple of sustained drives and a turnover edge to put things away. The -330 moneyline shows solid confidence in Illinois to control the game script. Wisconsin might hang around inside the number, but outright, the market and this projection align: Illinois to grind out a win.
No. 15 USC vs No. 7 Oregon
Moneyline prediction: Oregon (-360)
Odds: Oregon -9.5; total 59.5.
A Top-15 showdown with a nearly double-digit spread and a high total screams fireworks. Books see Oregon as the more complete team, capable of scoring in bunches while forcing USC into catch-up mode. The -360 moneyline is pricey but reflects that advantage. With 59.5 as the total, this may be one of the day’s most entertaining games, but for picking a winner only, the projection follows the market: Oregon at home to win.
Syracuse vs No. 9 Notre Dame
Moneyline prediction: Notre Dame
Odds: Notre Dame -35.5; total 50.5.
Notre Dame is favored by five touchdowns, which is an enormous show of confidence from the market. Even with the moneylines locked, a spread that big essentially answers the straight-up question. The Irish are expected to control both trenches, pile up early points, and then cruise. Syracuse’s realistic goal is staying inside the number, not winning outright. For this exercise Notre Dame is the clear choice.
Arkansas vs No. 17 Texas
Moneyline prediction: Texas (-350)
Odds: Texas -8.5; total 57.5.
This one sets up as an old-school, high-energy matchup with a healthy total and a spread that hints at Texas pulling away late. The Longhorns sit as more than a touchdown favorite with a -350 moneyline, implying a strong but not overwhelming edge. Arkansas can score enough to be dangerous, but the market believes Texas has more ways to win through depth, talent, and a bit of margin for error. For a straight-up wager, Texas is the side.
Kentucky vs No. 14 Vanderbilt
Moneyline prediction: Vanderbilt (-365)
Odds: Vanderbilt -9.5; total 53.5.
Seeing Vanderbilt ranked and laying nearly 10 points is a twist. The Commodores’ -365 moneyline indicates solid confidence from the book, while the 53.5 total suggests both offenses can move the ball. In a game where the spread is just under double digits, upsets are possible, but Kentucky is still a clear underdog on both spread and price. Straight up, the pick is Vanderbilt.
TCU vs No. 23 Houston
Moneyline prediction: Houston (-115)
Odds: Houston -1.5; total 54.5.
At just -1.5 on the spread and -115 on the moneyline, this is one of the true coin-flip games of the slate. The 54.5 total signals a reasonably high-scoring back-and-forth affair where one late drive or turnover could decide it. When in doubt on a near-pick’em, siding with the small home favorite is reasonable. The pick is Houston.
Kansas State vs No. 12 Utah
Moneyline prediction: Utah (-950)
Odds: Utah -17.5; total 52.5.
Utah is a massive favorite at -17.5, and the -950 moneyline reflects near-certainty from the book that the Utes handle business at home. The total suggests moderate scoring with enough possessions for Utah’s strength advantage to show up over four quarters. Kansas State would need to win both the turnover battle and the explosives battle to spring the upset. From a moneyline standpoint, that’s asking a lot.
Pittsburgh vs No. 16 Georgia Tech
Moneyline prediction: Georgia Tech (-137)
Odds: Georgia Tech -2.5; total 61.5.
This total is one of the highest on the board at 61.5, pointing toward a game with tempo and big plays. Georgia Tech is laying just a field goal or less, so the market sees a close contest but with the Yellow Jackets holding the edge, especially at home. A -137 moneyline price isn’t overwhelming, yet it reflects a noticeable advantage. With more offensive firepower and that modest line, the AI prediction backs Georgia Tech straight up.
No. 20 Tennessee vs Florida
Moneyline prediction: Tennessee (-184)
Odds: Tennessee -3.5; total 57.5.
Tennessee is favored by a field goal plus the hook, with a -184 moneyline that suggests a roughly two-thirds implied chance to win. The 57.5 total hints at a multi-score swing game where momentum will matter, but the spread shows the Vols as the more reliable side. Florida has home-underdog vibes and could absolutely make this sweaty, especially in a rivalry-adjacent spot, but from a straight-up perspective, the edge still tilts toward Tennessee.
No. 11 BYU vs Cincinnati
Moneyline prediction: BYU (-138)
Odds: BYU -2.5; total 54.5.
BYU is a short favorite at -2.5, with the moneyline just shy of -140, so this profiles as another tight matchup. The 54.5 total suggests decent scoring but not a complete shootout. In these near-coin-flip ranges, it often comes down to which team can finish drives and avoid critical mistakes. The lines give BYU a modest edge, and the projection follows that signal. Straight up, BYU is the play, but expect some drama.
No. 24 Tulane vs Temple
Moneyline prediction: Tulane (-320)
Odds: Tulane -7.5; total 56.5.
Tulane is giving a full touchdown plus the hook on the road, with a -320 moneyline that shows a strong lean toward the Green Wave. The total of 56.5 hints at a game with plenty of possessions and scoring chances. In that kind of script, the more efficient offense usually prevails, and the market clearly believes that’s Tulane. While Temple has some back-door cover potential on the spread, the straight-up pick remains Tulane.
No. 25 Arizona State vs Colorado
Moneyline prediction: Arizona State (-265)
Odds: Arizona State -6.5; total 48.5.
Arizona State is laying just under a touchdown with a -265 moneyline, numbers that indicate clear favoritism but still leave room for volatility. The 48.5 total points toward a game where drives may be longer and every red-zone trip matters. Colorado as a home underdog has some upset juice, but the market’s respect for the ranked Sun Devils is obvious. For a straight-up outcome, the prediction stays conservative: Arizona State to win.
ChatGPT has gone 177-44 so far this season for +116.9 units.
Odds are correct at the time of publishing and are subject to change.
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