Josh Brown kicked three second-half field goals for the playoff-bound Bengals (10-6), who came into their final regular-season game with an AFC wild card berth already sewn up.
Marvin Jones made five catches for 45 yards and score in the win.
Tyrod Taylor played most of the game at quarterback for the AFC North champion Ravens (10-6), going 15-for-25 through the air for 149 yards with an interception.
He also contributed 65 rushing yards and scored on the ground in nine carries.
Swim Week Miami Beach 2014 [PHOTOS]