The 49ers (2-0) are in their second season of football, playing as an FCS independent before competing in Conference USA next year.
Phillips ran for two touchdowns in the first quarter when the 49ers took a 23-0 lead and cruised from there over the Division II Golden Bulls (0-1). Phillips finished with 41 yards on 10 carries and ran for multiple touchdowns for the fourth consecutive game. Maetron Thomas had 67 yards on nine carries including a 60-yard touchdown run.
Matt Johnson completed 13 of 18 passes for 285 yards, including a 24-yard touchdown toss to T.L. Ford. The 49ers added another score on Prince Mayela's 48-yard interception return and had five field goals.
Charlotte had a 546-197 advantage in total yards.