Cardinal was born in French Algeria and was the sister of the film director Pierre Cardinal. She received a degree in philosophy from the Sorbonne and in 1953 married the French playwright, actor, and director Jean-Pierre Ronfard. They had three children: Alice, Benedict and Benedict. From 1953 to 1960 she taught philosophy at schools in Salonica, Lisbon, Vienna and Montreal.
Cardinal published her first novel, Ecoutez la Mer (Listen to the Sea), in 1962. During the 1960s she published three more novels and was involved with films as well. In 1967 she had a role in Jean-Luc Godard's film, Deux Ou Trois Choses Que Je Sais D'elle and played the role of Mouchette's mother in Robert Bresson's film, Mouchette.
In 1972 Cardinal published La Cle Sur La Porte (The Key of the Door), followed by Les Mots Pour Le Dire (The Words to Say It) in 1975; these two novels were best sellers and established her reputation. Les Mots Pour Le Dire was the first book by Cardinal to be published in the United States.