Cutler went 21-of-35 through the air, with favorite target Brandon Marshall hauling down nine catches for 119 yards and a score.
Matt Forte found the end zone once en route to 80 rushing yards while Michael Bush added a pair of short scoring plunges for Chicago (1-0).
Luck, the top overall pick in April's NFL Draft, was inconsistent in his first game for Indianapolis (0-1) as the Colts fell in their initial contest under new head Coach Chuck Pagano.
The former Stanford standout went 23-for-45 with a touchdown, three interceptions and a fumble.
Swim Week Miami Beach 2014 [PHOTOS]