Bridgewater completed 17-of-22 passes for 212 yards before turning the ball over to Will Gardner, who added a fourth-quarter scoring pass to wrap up the Louisville (4-0) rout.
Senorise Perry ran for a Cardinals touchdown as did Michael Dryer and Dominique Brown.
Florida International (0-4) remained winless and has been outscored 187-23 this season. The Panthers had just 30 total offensive yards.
E.J. Hilliard completed four passes for 27 yards for the Panthers and was sacked four times.