Kasay went 4-for-4 on his kicks, connecting on boots of 28, 29, 24 and 43 yards, including two in the third quarter that gave the Panthers (2-12) a 19-3 advantage.
Stewart carried the ball 27 time and Jimmy Clausen went 13-for-19 with 141 yards and a TD pass in his first game as Carolina's starting signal-caller. Jeff King caught the Panthers' only touchdown on a 16-yard strike from Clausen in the second quarter.
The Cardinals (4-10), meanwhile, lost for the eighth time in nine games.
They were led by John Skelton, who threw for 196 yards on 17-of-33 passing with an interception, while Steven Breaston scored when he recovered a Tim Hightower fumble in the end zone with 5:41 remanning in the game.