Cam Newton scored from 3 yards out following an interception by Luke Kuechly to put the Panthers up 14-3 with 17 seconds left in the half.
The Raiders appeared to have gotten a break when Graham Gano missed a 48-yard field goal attempt, with Carolina failing to score after having a drive extended by two controversial penalty calls on Oakland.
However, when Oakland got the ball back, Matt Leinart, subbing for the injured Carson Palmer, threw two quick incompletions _ neither close to his target _ and was picked off by Kuechly on third-and-10.
DeAngelo Williams ran 22 yards with a screen pass to the 7 and Newton scored two plays later.
Oakland scored on a 21-yard field goal by Sebastian Janikowski, with the Raiders faltering in the red zone and settling for the field goal.