Bell, who threw for 245 yards on 20-of-30 passing, was also the top runner for NCCU, rushing 12 times for 66 yards.
NCCU (2-3, 1-0 Mid-Eastern Athletic Conference) drove 74 yards in the final 1:31 of the first half to take a 14-3 lead when Bell hit Delqwan Jackson on a 43 yard scoring strike with :08 remaining.
Greg McGhee had 378 total yards for Howard (1-5, 0-3) as he threw for 291 yards and two TDs, but he was also intercepted twice in the fourth quarter. C.J. Moore got one of those picks when Howard had a first down at NCCU's 22 with 2:57 remaining.