NFL picks 12/28: Chicago Bears @ San Francisco 49ers

Chicago Bears
@

San Francisco 49ers
Sunday, December 28, 2025 at 8:20 PM ET

by Jack Chambers for Wannamakeabet.com

San Francisco and Chicago meet Sunday night with NFC seeding on the line — a feel‑good, high‑stakes primetime spot that looks like a three‑point game on most books and a coin‑flip on paper. The market lists San Francisco -3.5 with a 52.5 total; both clubs are 11-4 and arriving hot.

Team Analysis

Chicago

  • Season overview and recent form

Chicago (11-4) has surged down the stretch under coach Ben Johnson, riding a top rushing attack and a league-leading turnover margin (+21). The Bears have won seven of their last eight and recently clinched the NFC North.

  • Personnel notes

Caleb Williams is the signal-callers driving an offense that ranks top-5 overall and top-2 in rushing this season, giving Chicago a physical identity that neutralizes tempo in big games.

San Francisco

  • Season overview and recent form

San Francisco (11-4) remains one of the NFL’s most dangerous balanced offenses — even with injury churn — and has been red-hot recently with multiple blowout wins and dynamic passing outputs from Brock Purdy. The 49ers still control home-field leverage in the NFC race.

  • Personnel notes

– The Niners rotate effectively through playmakers and rely on an offensive scheme that creates chunk plays; when healthy they pressure opponents vertically and on the ground.

Key Matchup Factors

  • Head-to-head history

– The all-time and recent series is tight; San Francisco holds a slim edge in the series and took the most recent meeting by a decisive margin. Expect competitive fundamentals, not historic blowouts.

  • Important player matchups

Caleb Williams vs. Brock Purdy — Williams’ rushing ability and the Bears’ turnover production force the 49ers to protect the ball and finish drives. Purdy’s recent hot streak and big-play ability (multiple multi‑TD games in recent weeks) counter that threat. – Bears run game vs. 49ers front — Chicago’s rushing attack (top‑3 by season metrics) tests San Francisco’s run defense that has tightened since midseason.

  • Key injuries and news

George Kittle is listed as doubtful with an ankle injury and is highly unlikely to play; Ricky Pearsall is questionable but expected to be available. That removes a major red‑zone mismatch for the 49ers. – Chicago battled an illness bug with multiple role players listed questionable (including DJ Moore and Darnell Wright) and the team made late roster adjustments. That could blunt passing options and OL continuity.

  • Home/away performance

– San Francisco is a clear home favorite and has been strong at Levi’s; Chicago’s road profile is solid but the travel + hostile environment matters in late‑season primetime.

Betting Analysis

  • Spread analysis

– Consensus markets float 49ers -3 to -3.5 with moneylines roughly in the-160 to -190 range across books; public splits vary but books show sharper money leaning to San Francisco at home. Shopping for -3.5 vs -3 matters here — a full point swings ATS value.

  • Total (over/under) analysis

– The 52.5 line sits above both teams’ season game averages; San Francisco games have hit the over regularly, but Chicago projects to shorten the game with a heavy run plan and turnover focus — indicators that favor the Under.

  • Best value opportunities

– Take the points with the underdog: Bears +3.5 looks like the best single-line value given Chicago’s turnover edge (+21) and ability to control clock via the run game. If you prefer the favorite, find -3 (not -3.5) across books; the half-point matters.

  • Prediction

– Expect a tight, physical game that tilts on turnovers and red‑zone efficiency. With Kittle trending out and Chicago’s turnover margin and rushing floor, I’m siding with the points: Bears +3.5 and Under 52.5. Final score projection: 49ers 24 — Bears 21 (take Chicago +3.5).

Key Injury Statuses

  • San Francisco

George Kittle — ankle, doubtful / highly unlikely to play. – Ricky Pearsall — knee/ankle, questionable, likely to play.

  • Chicago

DJ Moore — illness, questionable; Darnell Wright — questionable, did not travel initially; Rome Odunze — ruled out (foot). Multiple role players listed as questionable with a flu‑like issue.

  • Follow final gameday reports for last‑minute shifts; these two teams are separated by small margins and a single status change (Kittle, Wright, Moore) materially alters value.

Final pick: Bears +3.5, Under 52.5 — played as a two‑unit lean on the spread (Wannamakeabet points system: +3 for matchup value, +2 for turnover edge, +1 for line value = +6 total confidence points).

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