SAN FRANCISCO (AP) - If Terrell Owens was watching at home, he was probably celebrating again.

 Charlie Garner rushed for two touchdowns and Jeff Garcia threw for 220 yards and another score as the San Francisco 49ers held off a late rally by Jake Plummer to beat the Arizona Cardinals 27-20 Sunday.

 The 49ers won consecutive games for the first time since the third and fourth weeks of last season _ and they did it without Owens, their top receiver. He was suspended from the game by coach Steve Mariucci because of his midfield touchdown celebrations last week at Dallas.

 But after opening the season with three losses, San Francisco (2-3) has won twice thanks to an offense that's quietly finding its stride and a young defense that mostly stifled Plummer and the Cardinals (1-3), who lost for the seventh time in eight games dating back to last season.

 Down by 14 with less than four minutes to play, Arizona still made it interesting. Plummer, who led 11 fourth-quarter comeback victories in his first three NFL seasons, marched the Cardinals 70 yards in just 80 seconds, with Michael Pittman's 35-yard catch setting up Thomas Jones' 4-yard TD run with 2:15 left.

 After an onside kick failed, San Francisco couldn't run the clock, so Arizona regained possession at its own 19 with 17 seconds left and no timeouts. Plummer completed one pass, but David Boston dropped a long one at the 49ers 40 as time ran out.

 The 49ers easily replaced Owens thanks to Garcia, who stayed patient in the pocket and completed 22 of 33 passes with no interceptions. Jerry Rice had seven catches _ among them his 141st career TD reception _ for 66 yards, J.J. Stokes caught four passes for 62 yards and Tai Streets had four receptions for 47 yards.

 San Francisco went up 24-10 after a methodical 63-yard drive midway through the third quarter ended with a 1-yard dive by Garner, who rushed for 77 yards.

 While Garcia excelled, Plummer struggled until late. He misfired on a number of short passes in the second half and finished 24-of-41 for 239 yards.

 Rice caught a 5-yard slant in the first quarter for a score that added to his own league record for TD catches.

 A dull, defensive-oriented first half ended with two touchdowns 31 seconds apart.

 Arizona's MarTay Jenkins fumbled a kickoff return late in the half at the 23, and two plays later, Streets made a spectacular diving catch at the 1 to set up Garner's 1-yard TD run 49 seconds before halftime.

 But Arizona moved quickly to midfield. Plummer then threw a short pass to Boston, who romped 56 yards through missed tackles for a score with 18 seconds left.