They will face either Milwaukee and Atlanta, whose series is locked at 2-2 following the Bucks' 111-104 win on Monday.
Tyrus Thomas had 21 points and nine rebounds for postseason debutantes Charlotte.
The Bobcats led by two at halftime before the defending Eastern Conference champions took control in the fourth quarter with a 10-0 run that opened an 87-76 lead.
Orlando All-Star center Dwight Howard's postseason foul troubles continued when he was sent off in the final quarter with just six points and 13 rebounds.
(Reporting by Jahmal Corner in Los Angeles; Editing by Ian Ransom)