Bears at 49ers odds, picks and predictions

Updated Dec. 28, 2025, 12:30 a.m. ET

The Chicago Bears (11-4) and San Francisco 49ers (11-4) meet for Sunday Night Football in Week 17 at Levi’s Stadium in Santa Clara, California. Kickoff is scheduled for 8:20 p.m. ET (NBC / Peacock). Let’s analyze BetMGM Sportsbook’s NFL odds around the Bears vs. 49ers odds and make our expert NFL picks and predictions for the best bets.

The 49ers lead the all-time series 36-33-1, including a 38-13 win over the Bears in last season’s meeting in Santa Clara on Dec. 8, 2024.

Chicago, which won the NFC North title Saturday night when the Green Bay Packers lost 41-24 to the Baltimore Ravens, won 22-16 in overtime against the Packers in an epic comeback, including a recovered onside kick late in regulation, leading to a field goal to force overtime, and a game-winning 46-yard TD pass from QB Caleb Williams to WR DJ Moore. The Bears have won 2 in a row, and 7 of the past 8 outings, while going 5-0-1 against the spread (ATS) in the past 6 games.

San Francisco routed the Indianapolis Colts 48-27 on Monday Night Football in Week 16, as QB Brock Purdy threw for 295 yards and 5 TDs, while RB Christian McCaffrey rushed for 115 yards, with TE George Kittle going for 7 catches, 115 yards and a score. The 49ers have won and covered in 5 straight outings as the Over cashed in the past 2 games.

The Niners last appeared on SNF in Week 7, topping the Atlanta Falcons 20-10 as a 1-point underdog as the Under (47) cashed.

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Provided by BetMGM Sportsbook; access USA TODAY Sports Scores and Sports Betting Odds hub for a full list. Lines last updated at 12:01 a.m. ET.

Moneyline (ML): Bears +165 (bet $100 to win $165) | 49ers -200 (bet $200 to win $100)Against the spread: Bears +3.5 (-115) | 49ers -3.5 (-105)Over/Under (O/U): 52.5 (O: -110 | U: -110)SUNDAY NIGHT FOOTBALL: Best prop betsBears at 49ers key injuries

Bears

DB Josh Blackwell (illness) questionableLB T.J. Edwards (glute) questionableDB C.J. Gardner-Johnson (knee) questionableDB Nick McCloud (illness) outOL Luke Newman (foot) questionableWR Rome Odunze (foot) outDB Nahshon Wright (hamstring, illness) questionable

49ers

CB Renardo Green (neck) outTE George Kittle (ankle) questionableWR Ricky Pearsall (knee, ankle) questionableQB Kurtis Rourke (knee) out

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SUNDAY NIGHT FOOTBALL: Best prop betsBears at 49ers picks and predictionsPrediction

Bears 26, 49ers 23

The BEARS (+165) are worth a look as underdogs in this very important Sunday night game.

Chicago has already wrapped up the NFC North. But, even so, the Bears have a crack at the No. 1 seed in the NFC, and a first-round bye, so even with a division title, it won’t take its foot off the gas.

The BEARS +3.5 (-115) are worth playing as short dogs in this wildly important NFC showdown in the Bay Area.

Chicago is 3-0-1 ATS in the past 4 road games, and it is 5-0-1 ATS in the past 6 outings. The Bears just seem to be able to figure out how to get the job done, even when the outlook appears to be very dark.

The 49ers are obviously no slouch, either. They’ve won and covered 5 in a row, and someone has to lose. It just seems like Chicago is living a more charmed life.

UNDER 52.5 (-110) is the play in this titanic SNF battle.

The Over-Under has split in the past 4 games for San Francisco, while also going 2-2 in the past 4 games at home. The Under hit in the SNF game against Atlanta back in Week 7, too.

The Under is 3-1 in the past 4 games for Chicago, with the defense allowing 20 or fewer points in 5 of the past 7 outings, and the Under is 5-2 in that span.

For more sports betting picks and tips, check out SportsbookWire.com and BetFTW.

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Bears at 49ers odds, picks and predictions

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