The 10 Best Moisturizers With SPF, Tried and Tested in 2025

We Tested Over 50 Sunscreens and These Are the 10 We’d Recommend If You’re Looking For a Moisturizer with SPF Protection

Whether you're running errands, heading to work, or just stepping outside for a few minutes, sunscreen should be an essential part of your skincare routine. “Sunscreen is essential, and I recommend applying it daily, even on cloudy days, to protect against ultraviolet (UV) damage and help prevent premature aging,” says Stacey Pilkington, D.O., board-certified dermatologist at Azeal Dermatology Institute in Boulder, Colorado. UV radiation is a form of radiation emitted by the sun and artificial sources, such as tanning beds. While it has some benefits (such as vitamin D conversion), it is also associated with health risks, including an increased risk of skin cancer, particularly with overexposure or sunburn.

Sunscreens help protect our skin from the harmful effects of UV rays. The Sun Protection Factor (SPF) indicates how well a sunscreen will protect against UV radiation. The higher the SPF, the more protection.

Now, bringing us to the topic at hand, finding a good daily moisturizer is one thing, but finding one that also delivers reliable sun protection is another. With so many moisturizers claiming to do it all, it can be overwhelming to determine which ones truly live up to the hype of moisturizing and sun protection.

This is where we come in. We tested dozens of moisturizers with SPF. To help you find the right one, we surveyed our Everyday Health testers, who represented different skin types, skin tones, and budgets, to identify formulas that not only protect against UV damage but also deliver on the moisturizing component. From lightweight gels that layer seamlessly under makeup to rich creams that soothe and nourish, our list is based on real-life experiences, not just labels. In this guide, you’ll find our top picks across a variety of needs: budget-friendly, splurge-worthy, sensitive skin, acne-prone skin, teens to mature skin, the best for melanin-rich complexions, and more. Whatever your skin needs or price point, there’s a sunscreen-moisturizer combo here for you. Let’s get into it.

Best for Dry Skin

Kiehl's Ultra Facial Cream Sunscreen

$35.10 at Amazon
$39Now 10% Off

Pros

  • SPF 30 keeps skin protected from the sun
  • Glacial glycoprotein and fountain plant extract help maintain moisture
  • Minimal scent
  • Layers well under makeup

Cons

  • Tester noted a slightly greasy texture that eventually dissipated
  • Might be too thick for oily skin

Key Specs 

  • Size: 1.7 oz
  • SPF: 30
  • Chemical or Mineral: Chemical
  • Key ingredients: Glacial Glycoprotein and Fountain Plant Extract
Kiehl’s Ultra Facial Cream with SPF 30 is a multitasking daily moisturizer that combines intense hydration and sun protection in one step, making it our top pick for dry skin. Key ingredients include glacial glycoprotein, renowned for its deep hydration and moisture-retaining properties, and fountain plant extract, which helps support the skin barrier.

 

 Nicole Bonaccorso, an editor at Everyday Health who tested this product, appreciated the noticeable moisturizing benefits, stating, “I liked that I could feel that my skin was more hydrated”.

The brand promotes this formula as being lightweight and non-greasy. Bonaccorso disagreed somewhat, noting, “a medium thickness and left behind a slightly greasy texture at first. However, this sensation tended to dissipate after a short time, and the product layered well under makeup.”

In addition to its moisturizing benefits, the formula also provides broad-spectrum protection against UVA and UVB rays using a combination of chemical UV filters. Bonaccorso does note a “sunscreen-like scent”, describing it as present but not overpowering. Overall, Bonaccorso liked the ease of combining hydration and SPF in a single product and found that a small amount went a long way. That said, Kiehl’s Ultra Facial Cream with SPF 30 could be a solid choice for someone with dry skin looking to combine their moisturizer and sunscreen into a single step

Best for Sensitive Skin

Paula's Choice CALM Barrier Protect Mineral Sunscreen SPF 30

$37.05 at Amazon
$39Now 5% Off

Pros

  • Designed for sensitive skin
  • Protects from sun’s harmful rays with SPF 30
  • Targeted ingredients to support tone and barrier, like allantoin and centella asiatica
  • Mineral sunscreen without the white cast
  • Hydrating and moisturizing to the skin

    Cons

    • Darker skin tones may experience a white cast
    • Tester noted a botanical scent, which may not be great for those with sensitive skin

    Key Specs 

    • Size: 2 oz
    • SPF: 30
    • Chemical or Mineral: Mineral
    • Key Features/Ingredients: Allantoin and Centella asiatica
    Paula's Choice CALM Barrier Protect Mineral Sunscreen SPF 30 is a mineral-based moisturizer designed specifically for sensitive and rosacea-prone skin. This formula goes beyond basic sun protection by incorporating skin-calming ingredients like allantoin and Centella asiatica, as well as prebiotics to help support the skin’s barrier and microbiome.

     The broad-spectrum SPF 30 shields skin from UVA and UVB rays. This formula aims to help reduce redness and irritation with continued use, making it a strong choice for anyone with reactive or easily inflamed skin.

    The texture was a standout feature for our tester, Everyday Health writer Lacey Muinos, who praised its sheer, gel-cream consistency, noting that it spreads easily and doesn’t leave behind the chalky residue typical of many mineral sunscreens. “It goes on so easily and rubs in like a dream,” Muinos says. “The non-greasy texture is one of my favorite things about this product.” In testing, this formula outperformed expectations for a mineral SPF, with Muinos noting that it felt more like a chemical sunscreen in its smooth application, without the heaviness or white cast.

    Muinos also praised the hydrating benefits of the formula, describing how it left her skin feeling dewy, plump, and bouncy after regular use: “I do think my skin was more moisturized and dewy after using it for about a week and a half,” she says. The product’s ability to provide lasting hydration while also calming and protecting the skin makes it ideal for daily use, especially for those seeking a gentle SPF that supports those with sensitive skin.

    Best for Oily Skin

    Cerave AM Facial Moisturizing Lotion SPF 30 Oil Free

    $14.22 at Amazon
    $19.99Now 29% Off

    Pros

    • Oil-free and non-comedogenic, so it won’t clog your pores
    • Mineral-based sunscreen supports with InVisibleZinc™ Technology
    • Matte finish leaves you looking like you’re not wearing sunscreen

    Cons

    • Can leave a temporary white cast without extensive rubbing in
    • Product has a mild sunscreen scent

    Key Specs 

    • Size: 3 oz
    • SPF: 30
    • Mineral or Chemical: Mineral
    • Key Benefits/Features: Ceramides, hyaluronic acid, and niacinamide, InVisibleZinc™ Technology
    CeraVe AM Facial Moisturizer with Broad Spectrum SPF 30 is a well-rounded morning skincare solution for those with oily skin. Formulated with three ceramides, hyaluronic acid, and niacinamide, it works to restore the skin's natural barrier, deliver lasting hydration, and calm the skin.

     

     The addition of InVisibleZinc™ Technology, which uses microfine zinc oxide (zinc oxide that has been finely milled), provides broad-spectrum UVA/UVB protection. Importantly, it’s non-comedogenic (won’t clog your pores) and is oil-free, making it a solid choice for acne-prone skin.

    Tori Martinet, MS RD, writer at Everyday Health, appreciated that the product is “creamy without being greasy” and “was easy to spread over the skin.” Martinet did note, “There is a bit of white cast initially, but it goes away with rubbing in.” The product leaves a matte finish, which is often well-received by those with oilier skin types. Though fragrance-free, Martinet did mention the formula carried “a mild sunscreen scent.”

    The Skin Cancer Foundation Seal of Recommendation reinforces this moisturizer’s reliability for daily use. Martinet also gave this product high marks for being practical and skin-friendly, offering hydration, barrier support, and sun protection in one single step. For those with oily or acne-prone skin seeking a no-fuss product that performs well under makeup and keeps skin protected and hydrated throughout the day, CeraVe AM Facial Moisturizer is our pick for you.

    Best for Combination Skin

    Origins A Perfect World SPF 40 Age Defense Moisturizer

    $45 at Walmart
    $49Now 8% Off

    Pros

    • Broad-spectrum SPF 40
    • Antioxidant-packed ingredients, such as white tea and a cranberry blend
    • Light botanical scent
    • Vegetarian and free of parabens, phthalates, and mineral oil

    Cons

    • Higher price point
    • Might not be suited for sensitive skin

    Key Specs 

    • Size: 1.7 oz
    • SPF: 40
    • Mineral or Chemical: Chemical
    • Key Features/Benefits: Vegetarian, free of common irritants like parabens, phthalates, and mineral oil. Includes white tea and a cranberry blend for antioxidant support

    Origins' A Perfect World™ SPF 40 Age-Defense Moisturizer with White Tea is a multi-benefit daytime moisturizer designed to hydrate, protect, and defend combination skin against environmental and sun damage. Using a chemical base, the formula provides broad-spectrum SPF 40 support. The antioxidant-rich formula is powered by white tea and a cranberry blend, both of which are known for their ability to neutralize free radicals and correct damage from environmental stressors.

    Bonaccorso, who tested this product, described the texture as “medium in thickness, but it absorbed quickly and left no greasy residue.” Bonaccorso says, “The product has a very mild, botanical scent from the white tea, but it immediately goes away upon absorption.” She continued to highlight the luxurious feel of the formula: “I like the feel of this product on my skin. It is not heavy or greasy, and absorbs well.”

    The product is free of parabens, phthalates, mineral oil, and sodium lauryl sulfate (SLS). This is important as many synthetic substances found in some cosmetics have not only been linked to hormone disruption due to their ability to absorb into the skin, but also may irritate the skin. It’s vegetarian and crafted with environmental consciousness in mind, making it a strong choice for those with combo skin who value clean beauty. With its combination of higher SPF, antioxidant support, and a refined user experience, A Perfect World™ stands out as a protective and pampering option for daily skincare.

    Best for Melanin-Rich Skin

    Black Girl Sunscreen

    $9.49 at Amazon
    $10.96Now 13% Off

    Pros

    • Designed for melanin-rich skin
    • Ingredients to target hydration, including avocado, jojoba and sunflower oil
    • SPF 30 to protect skin from the sun
    • Sheer, non-greasy finish with no white residue

    Cons

    • Faint scent might not be suitable for those with sensitivities
    • SPF 30 may not be high enough for all

    Key Specs 

    • Size: 2 oz
    • SPF: 30
    • Chemical or Mineral: Chemical
    • Key Features/Ingredients: Avocado, jojoba, cacao, carrot juice, and sunflower oil

    Black Girl Sunscreen SPF 30 is a daily-use sunscreen designed specifically for those with melanin-rich skin, with its focus on both sun protection and skincare. It offers a broad-spectrum SPF 30 while doubling as a hydrating lotion, formulated with ingredients like avocado, jojoba, cacao, carrot juice, and sunflower oil. This chemical-based sunscreen protects against sunburn while addressing skin concerns such as dryness, uneven tone, and signs of aging, all without leaving a white cast, a common issue for melanin-rich skin tones.

    Everyday Health writer LT praised the product for its light, smooth texture and moisturizing feel. She noted how quickly it blended into her skin, sharing, “It’s extremely sheer and leaves no white residue.” LT described it as lightweight, non-greasy, and hydrating, providing a comfortable wear that worked well on bare skin or under makeup. While the product is fragrance-free, LT did note an extremely mild scent after several days of use, only noticeable when held very close to the nose. Overall, the application experience was described as “light and airy,” and LT loved how vibrant and moisturized her skin felt after use.

    What sets Black Girl Sunscreen apart is not only its inclusive formulation but its blend of skin-loving ingredients. Avocado oil and jojoba help to hydrate and soothe, while cacao and carrot juice may help brighten and even out skin tone and sunflower oil calms irritation.

     

     

     

     The combination of sun protection and nourishment makes it ideal for daily use, particularly for those seeking a sunscreen that complements darker skin tones without compromising feel or finish.

    Best for Teens

    Cetaphil DermaControl Oil Absorbing Moisturizer with SPF 30

    $14.38 at Walmart
    $17.99Now 20% Off

    Pros

    • Suitable for oily and sensitive skin
    • Technology aids with excess oil production
    • Hypoallergenic for sensitive skin
    • Non-comedogenic and free of fragrances and parabens

      Cons

      • Formula may cause eye discomfort
      • Mild sunscreen scent noted by our tester

      Key Specs 

      • Size: 4 oz
      • SPF: 30
      • Mineral or Chemical: Chemical
      • Key Features/Ingredients: MicroPearl technology, Oleosome technology™, glycerin tocopherol, and ceramides
      Cetaphil DermaControl Oil Absorbing Moisturizer with SPF 30 is our top pick for teens seeking a simple, practical skincare step that tackles hydration, shine control, and sun protection. Designed for oily, sensitive skin, this lightweight, oil-free moisturizer features MicroPearl technology, which, according to the website, works to absorb excess surface oil and provide a matte finish. At the same time, Oleosome technology™, according to the website, uses lower concentrations of sunscreen agents to protect from the sun, helping to minimize irritation caused by sunscreen. Other ingredients include glycerin to aid with lasting hydration, tocopherol (or vitamin E) as an antioxidant to help mitigate free radical damage, and ceramides, which aid in skin barrier function.

       

       With broad-spectrum, chemical-based SPF 30 and oil-free hydration benefits, Cetaphil DermaControl Oil Absorbing Moisturizer with SPF 30 is an ideal daily product that works well for teens managing acne, sensitivity, or excess shine.

      Marisa Olsen, an Everyday Health writer, appreciated the product’s medium-bodied, creamy texture that felt silky and smooth upon application. It goes on bright white but quickly absorbs after a few rubs, leaving no chalky residue and leaving skin feeling softer and moisturized after application. Olsen noted how well the formula balanced hydration with oil control, keeping her skin feeling fresh and less greasy throughout the day. Olsen says, “I was impressed with how quickly it absorbed into my skin; it was creamy and hydrating without annoying streaks.” The purple flip cap and travel-friendly design were also a big win for Olsen as she described the bottle as convenient, and the price point (under $15) made this a winner for daily use.

      That said, Olsen did share some caution around eye sensitivity. Despite careful application, she noted that the formula could migrate into the eyes and cause discomfort, including stinging. This makes careful placement during application important, especially for on-the-go. For teens looking for an affordable, mattifying moisturizer that won’t clog pores and provides reliable sun protection, Cetaphil DermaControl is a strong, accessible choice.

      Best for Mature Skin

      Dermalogica Dynamic Skin Recovery SPF50

      $85 at Amazon

      Pros

      • Great sun protection with SPF 50
      • Anti-aging ingredients, including polypeptides and antioxidants
      • Soft, smooth finish
      • Layers well with makeup and other skincare

      Cons

      • Tester noted it may not be moisturizing enough for winter months
      • Scented, which may not be ideal for those with sensitive skin

      Key Specs 

      • Size: 1.7 oz
      • SPF: 50
      • Mineral or Chemical: ChemicalKey Features/Ingredients: Polypeptides, antioxidants
      Dermalogica’s Dynamic Skin Recovery SPF 50 is a multitasking daily moisturizer that delivers hydration, anti-aging benefits, and broad-spectrum sun protection in one formula, making it our top moisturizer with SPF for mature skin. With a unique polypeptide blend to help improve the appearance of photoaged or sun-damaged skin, and antioxidant-rich white tea to protect against environmental stressors, this non-greasy moisturizer blends seamlessly into the skin for a soft, smooth finish.

       

       “I liked the higher SPF coverage of 50, the silky texture that sank into my skin, and the pleasant scent,” Olsen says, highlighting how it doubles as both a protective and pampering product.

      What truly sets this product apart is the feel. It's not your typical sunscreen. Olsen described the texture as light and creamy, never sticky or heavy. “Love the texture. It has a more ‘luxe’ feel; soft and silky and sinks in well without making my skin feel greasy, sticky, or streaky.” Unlike traditional sunscreens, the formula feels more like a high-end day cream, wearing comfortably under makeup and over morning serums, emphasizing how seamlessly it fits into a daily routine.

      The scent was another standout feature for Olsen. With notes of white tea, rosewood, lemon, and clove, the fragrance is fresh and natural, yet not overpowering. Designed with both performance and elegance in mind, this moisturizer is a high-end splurge that delivers visible results and daily protection in a single, travel-friendly bottle.

      Best Budget-Friendly

      Neutrogena Hydro Boost Hyaluronic Acid Face Moisturizer with Sunscreen

      $19.97 at Walmart
      $9.99Now -100% Off

      Pros

      • Non-comedogenic and fragrance-free
      • Free of dyes, parabens, and mineral oils
      • Lightweight with no white cast
      • Non-greasy after application

      Cons

      • Slight sunscreen scent, even though it states fragrance-free
      • Takes a bit to absorb, leaving the skin shiny at first

      Key Specs 

      • Size: 1.7 oz
      • SPF: 50
      • Chemical or Mineral: Chemical
      • Key Features/Ingredients: Helioplex® technology, hyaluronic acid, vitamin E, non-comedogenic, and free from common irritants like dyes, parabens, and mineral oils.

      Neutrogena Hydro Boost Hyaluronic Acid SPF 50 Moisturizer stands out as a budget-friendly option for those seeking a two-in-one product that delivers both hydration and sun protection. As a chemical-based, broad-spectrum SPF 50 product powered by Helioplex technology, which, according to the website, is a more stable sunscreen that better protects against both UVA and UVB rays, alongside hydrating hyaluronic acid, this gel-based moisturizer is designed to simplify skincare routines. Fragrance-free, non-comedogenic, and free from common irritants like dyes, parabens, and mineral oils, this budget-friendly option is suitable even for sensitive or acne-prone skin.

      Maria Cristina Lalonde, writer at Everyday Health, praised the product for its ultra-lightweight feel and invisible finish, noting it left no white cast and worked well under makeup. My skin felt softer and more hydrated than average,” Lalonde says, while appreciating that “it didn’t burn my eyes when I sweat during hot yoga,” an issue she has had with other sunscreens. Although the moisturizer does leave a shiny appearance, Lalonde noted that it absorbs fully within 30 minutes, leaving her skin smooth without any greasy residue.

      For cost-conscious shoppers looking to streamline their morning routine, this product offers substantial value. It combines the essential functions of daily SPF and a hydrating moisturizer, while also including antioxidant protection with ingredients like vitamin E. Though it has a slight sunscreen scent, its overall performance, high SPF, and gentle formulation make it a top affordable pick for everyday use.

      Best Splurge

      Kate Somerville HydraKate Illuminating Sunscreen Drops

      $41.40 at Amazon
      $46Now 10% Off

      Pros

      • High SPF 50 to protect from the sun’s UV rays
      • Features a universal tint, so it won’t leave a white cast
      • Ectoin to target improved skin barrier function
      • Sunscreen formulation is reef-safe
      • Luxurious feel

      Cons

      • Higher priced
      • May be irritating to the eyes

      Key Specs 

      • Size: 1.7 oz
      • SPF: 50
      • Mineral or Chemical: Mineral
      • Key Features/Ingredients: Non-nano zinc oxide, ectoin, sheer mineral pigments
      HydraKate Illuminating SPF 50+ Drops earns its title as a splurge-worthy pick thanks to a formula that combines sun protection with luxury skincare benefits. Featuring a 24.5% non-nano zinc oxide concentration—one of the highest on the market—it forms a strong, physical barrier that reflects harmful UV rays without the white cast aesthetic typical of many mineral sunscreens. Non-nano zinc oxide is favored for its safety profile, as the larger particles are not absorbed into the skin and it's considered reef-safe.

      The addition of ectoin, a naturally occurring amino acid component, makes this formula more than just sun protection: it actively soothes, hydrates, and works to brighten the skin.

       Unlike many traditional SPFs, the sheer universal tint absorbs quickly and delivers a glow-like finish that helps blur imperfections, creating an even complexion.

      Lalonde confirms that this product lives up to its high-end promise. She described the finish as “light and shimmery,” with a “fancy skincare-like scent” despite being fragrance-free. Lalonde raved about its non-greasy texture and how well it layered throughout the day without the feeling of buildup or white-cast, even when reapplied, noting, “It helped even my skin tone without looking like I was wearing foundation.”

      Despite the premium price, Lalonde felt its performance justified the cost. The formula's luxurious feel and instant skin-enhancing results make it an excellent investment for those who view SPF as part of their daily skincare ritual. One caveat: it may irritate the eyes if it sweats into them—something to keep in mind for high-activity days. But for everyday use, especially under makeup or as a standalone, HydraKate is a skincare-sunscreen hybrid that’s worth every penny.

      BareMinerals complexion Rescue

      Best Tinted

      bareMinerals Complexion Rescue

      Pros

      • 3-in-1 formulation hydrates skin, protects from the sun, and wears like makeup
      • Hypoallergenic and vegan
      • Free of parabens, polyethylene glycols, talc, and fragrance
      • Tester reported “glow-enhancing” finish

      Cons

      • May not be enough moisture for those with dry skin
      • Intentional blending is needed to ensure a seamless look

      Key Specs 

      • Size: 1.18 oz
      • SPF: 30
      • Mineral or Chemical: Mineral
      • Key Features/Ingredients: Hyaluronic acid, olive-derived squalane, titanium dioxide, hypoallergenic, vegan, and free from ingredients like parabens, polyethylene glycols (PEGs), talc, and fragrance
      bareMinerals Complexion Rescue earns the spot as the best tinted, thanks to its multitasking formula that blends skincare, makeup, and sun protection in one. With naturally derived ingredients, including hyaluronic acid for hydration, olive-derived squalane for a fresh, dewy finish, and titanium dioxide for mineral-based SPF 30 coverage, this product is designed for everyday use.

       This product is dermatologist-tested, hypoallergenic, vegan, and free from ingredients like parabens, polyethylene glycols (PEGs), talc, and fragrance, making it ideal for sensitive or breakout-prone skin looking for some added coverage and color.

      Lacey Muinos, our tester, consistently highlighted the glow-enhancing finish and skin-smoothing effect as standout features. “It gives a flattering glow and just enough coverage for daily wear, while evening out redness and freckles without looking heavy.” Though marketed as a 3-in-1 (moisturizer, SPF, and makeup), Muinos felt it functioned best as a lightly moisturizing skin tint with SPF benefits, particularly for those with normal to oily skin. Muinos warned that those with dry skin types may still want to layer a dedicated moisturizer underneath. The texture is creamy and makeup-like, requiring intentional blending for a seamless look. As Muinos put it, “It’s easy to apply, but not effortless. You need to work it in well, or it’ll show where you missed.”

      Muinos found Complexion Rescue made daily sunscreen application more enjoyable. Its radiant finish, light coverage, and skin-friendly formula helped her stick to her SPF routine consistently, sharing, “I don’t always look forward to putting on sunscreen, but I look forward to putting this on because I love how my skin looks with it.” It may not fully replace a standalone moisturizer for those with dry skin, still, as a morning go-to that delivers protection, hydration, and glow in one step, Complexion Rescue is a standout pick for anyone wanting an everyday SPF that doubles as a skin-enhancing tint.

      Comparison Table

      Superlative
      Size
      SPF
      Chemical or Mineral Sunscreen
      Key Ingredients
      Best for Dry Skin
      1.7 oz
      30
      Chemical
      Glacial glycoprotein and Fountain Plant Extract

      Best for Sensitive Skin

      2 oz
      30
      Mineral
      Allantoin and Centella asiatica
      Best for Oily Skin
      3 oz
      30
      Mineral
      ceramides, hyaluronic acid, and niacinamide, InVisibleZinc™ Technology
      Best for Combination Skin
      1.7 oz
      40
      Chemical
      white tea, a cranberry blend
      Best for Melanin-Rich Skin
      2 oz
      30
      Chemical
      avocado, jojoba, cacao, carrot juice, and sunflower oil
      Best for Teens
      4 oz
      30
      Chemical
      glycerin tocopherol, and ceramides
      Best for Mature Skin
      1.7 oz
      50

      Chemical

      Polypeptides, antioxidants
      Best Budget-Friendly
      1.7 oz
      50

      Chemical

      hyaluronic acid, vitamin E
      Best Splurge
      1.7 oz
      50
      Mineral
      Non-nano zinc oxide, ectoin, sheer mineral pigments
      Best Tinted
      1.18 oz
      30
      Mineral
      hyaluronic acid, olive-derived squalane, titanium dioxide

      Other Noteworthy Moisturizers with SPF We Tried

      For this review, we tested over 50 moisturizers with SPF to deliver honest, real-world insights beyond the marketing claims. With numerous similar products on the market, hands-on testing is crucial to determine which formulas effectively provide both hydration and sun protection. We evaluated texture, absorption, hydration levels, ingredient quality, SPF effectiveness, and overall skin feel to help you find the best option for your unique skin type and daily routine.

      The following formulas were others we considered, but ultimately didn’t make it as one of our top picks.

      Vanicream Facial Moisturizer stood out for its gentle, moisture-friendly formula, which includes ingredients such as hyaluronic acid and ceramides. Our tester appreciated that the formula is free of fragrance, parabens, gluten, and is non-comedogenic, making it ideal for sensitive skin. While we liked its nourishing ingredients, it didn’t quite make our top picks as the texture felt a bit heavy and didn’t absorb as cleanly as others we tested.

      CeraVe Hydrating Mineral Tinted Face Sunscreen Lotion impressed us with its 100% mineral formula, featuring titanium dioxide and zinc oxide, along with its moisture-focused ingredients like ceramides, hyaluronic acid, and niacinamide. We liked that it’s fragrance-free, paraben-free, and suitable for sensitive and acne-prone skin. While it offers a nice tint and broad-spectrum protection, it didn’t make our top picks due to noticeable pigment transfer during wear, especially on clothing and collars.

      How We Tested Moisturizers with SPF

      To provide honest and informed feedback, we tested over 50 top-rated moisturizers with SPF. Testing was conducted by a diverse panel of real users, including skincare enthusiasts, registered dietitians, fellow writers, and editors, who applied the product daily and documented with written insights. Our rigorous process prioritized not only how products felt on the skin but also how they performed over time in terms of hydration, irritation, absorption, and compatibility with various skin types. Each moisturizer with SPF was tested side by side using a structured rubric to ensure fair comparisons. We also considered packaging, price point, and the accuracy of product claims.

      To round out our research, we consulted skincare experts Stacey Pilkington, D.O., board-certified dermatologist at Azeal Dermatology Institute in Boulder, Colorado, and Jamie Hale, D.O., board-certified dermatologist at Azeal Dermatology Institute in Boulder, Colorado.

      What To Look For When Buying Moisturizers with SPF

      Choosing the right moisturizer with SPF isn’t just about grabbing the first product labeled as such. The best formulas strike a balance between sun protection, skin benefits, and daily wearability. Whether you’re shopping for your first SPF moisturizer or looking to upgrade your current routine, paying attention to a few key features can help you find the best match for your skin’s needs and your lifestyle.

      Here are some important factors to consider when shopping for a moisturizer with SPF:

      • SPF Rating & Broad-Spectrum Protection: Our experts, Dr. Pilkington and Dr. Hale both recommend looking for at least SPF 30, applying it daily, even on cloudy days, as well as ensure it is a broad-spectrum formula protecting from both UVA and UVB rays.”.

         UVA and UVB rays are both types of ultraviolet radiation from the sun, but they affect the skin in different ways. UVA rays penetrate deeper into the skin and are primarily responsible for premature aging, like wrinkles and sun spots.

         UVB rays, on the other hand, affect the surface of the skin and are the leading cause of sunburn.

         A good SPF product should protect against both UVA and UVB rays, so look for labels that say the product is "broad spectrum."
      • Ingredients: Look for skin and hydration-friendly ingredients like hyaluronic acid, niacinamide, or ceramides alongside the SPF.

         

         

      • Skin Type Compatibility: Choose the product according to your skin type. For example, lean towards lightweight, oil-free formulas for oily or acne-prone skin and richer creams for dry or mature skin.
      • Finish & Texture: Some moisturizers leave a dewy glow, others dry matte—pick one that complements your personal style and makeup routine.
      • Tinted vs. Untinted: Tinted options can even skin tone or replace foundation. This is often enticing for individuals during the summer months to reduce the number of products on their face. If you're looking for a tinted option, finding the right one is especially helpful for melanin-rich or redness-prone skin.
      • Price and Value: Consider the cost per ounce and how long the product typically lasts with daily use. For some of our tested products, a little goes a long way, while others require a bit more product for full coverage.
      • Fragrance-Free vs. Scented: Fragrance can irritate sensitive skin; if you prefer a scent, make sure it’s subtle and non-reactive.
      • Water Resistance: If you’re active or outdoors often, water-resistant formulas can offer more reliable protection. Ensure your product of choice fits your lifestyle.

      Is a Moisturizer With SPF as Effective as a Separate Sunscreen?

      A moisturizer with SPF can be a practical daily sun protection option if you spend most of your day indoors or are exposed to minimal sunlight. These products are designed to hydrate the skin while offering some UV protection, making them a convenient two-in-one solution for busy mornings. However, their effectiveness depends on how much you apply. Dr. Hale warns that “Most people don’t use enough moisturizer to reach the full SPF level listed on the label. To get the advertised protection, you'd need to apply it generously, just like you would with a dedicated sunscreen.”

      For extended outdoor exposure, such as beach days, hiking, or other prolonged activities outside, a separate sunscreen is often the better choice to ensure protection for both face and body. Traditional sunscreens are specifically formulated for sun defense and tend to be more water-resistant, sweat-proof, and better tested for real-world conditions. In short, a moisturizer with SPF is great for everyday use, but if you're spending significant time outside, layering a proper sunscreen over your moisturizer offers more reliable coverage.

      What Other Ingredients Should I Look for in a Moisturizer With SPF?

      When shopping for a moisturizer with SPF, it’s helpful to look beyond sun protection and choose formulas with ingredients that also support your skin’s overall health. Hydrating ingredients like hyaluronic acid or glycerin help maintain moisture balance, especially important if you have dry or combination skin.

       

       Niacinamide, another ingredient to consider, helps reduce inflammation, even skin tone, and strengthen the skin barrier.

       Ceramides and squalane are beneficial for repairing and soothing the skin.

       

      For those concerned with aging or dullness, look for antioxidants like vitamin C, tea extracts, or other antioxidants, which help protect the skin from environmental stressors and free radical damage.

      If you have sensitive skin, it’s a good idea to avoid added fragrance. Those with sensitive skin, may also want to consider opting for mineral-based sunscreen options (like zinc oxide or titanium dioxide), as these tend to be a bit gentler on the skin.

       Ultimately, the best SPF moisturizers are those that multitask—offering protection, hydration, and skin nourishment all in one formula – and fit your skin's needs in terms of hydration, sensitivity, and overall feel.

      How Can I Find the Right Moisturizer With SPF for My Skin Type and Determine if It’s Effective?

      Finding the right moisturizer with SPF begins with understanding your skin type and selecting a product specifically formulated to meet your specific needs. If you have oily or acne-prone skin, look for lightweight, non-comedogenic formulas labeled as "oil-free" or "gel-cream." Dry or sensitive skin types typically benefit from richer, hydrating formulas that include ingredients like hyaluronic acid, or ceramides.

       

       For those with combination skin, a balanced formula that provides moisture without heaviness is key. When it comes to the SPF component, if you’re concerned about irritation, mineral sunscreens tend to be gentler than some chemical ones.

       Look for ingredients such as zinc oxide or titanium dioxide. And lastly, consider the finish. Some formulas are dewy for a glowing look, while others are matte for shine control.

      To determine if your moisturizer with SPF is effective, observe how your skin responds and monitor any changes in tone or texture over time. A promising sign is that your skin feels moisturized and protected throughout the day without signs of sunburn or sensitivity. However, the true effectiveness comes from consistent and appropriate use. Many moisturizers with SPF recommend applying a generous amount evenly every morning and reapplying every two hours if you’re outdoors. If you notice new sunspots, irritation, or dry patches despite regular use, it may be time to switch to a different formula or boost protection with a dedicated sunscreen applied on top. Regular check-ins with a dermatologist can also help assess whether your SPF skincare is doing its job.

      FAQs

      What are the benefits of using a moisturizer with SPF?
      Using a moisturizer with SPF streamlines your skincare routine by combining hydration and basic sun protection in one easy step. It helps keep your skin hydrated with targeted ingredients while shielding it from harmful UVA and UVB rays, which are known to contribute to premature aging and sunburn. Moisturizers with SPF are ideal for everyday use, especially when sun exposure is limited (running errands, taking a short walk, or being in and out of the car all day). For those days with more intense sun exposure (beach days or hikes), a dedicated sunscreen may be better suited to meet coverage needs.
      For everyday use, Dr. Pilkington recommends looking for a moisturizer with at least SPF 30, which provides a good level of protection against both UVA and UVB rays. If you have fair skin, a history of skin cancer, or spend extended time outdoors, consider using a higher SPF or layering your moisturizer with SPF with a dedicated sunscreen for added protection.
      You should reapply moisturizer with SPF every two hours when spending time outdoors, just as you would with regular sunscreen. If you're indoors with minimal sun exposure, a single morning application may be sufficient. However, if you're sweating, swimming, or frequently touching your face, reapplication is recommended more regularly to maintain proper protection.
      Mineral sunscreens use physical blockers, such as zinc oxide or titanium dioxide, to sit on the skin’s surface, rather than absorbing into the skin, and reflect UV rays, making them ideal for sensitive skin since they're less likely to cause irritation. Chemical sunscreens, on the other hand, absorb UV rays and convert them into heat using active ingredients like avobenzone, oxybenzone, or octinoxate. While mineral formulas start working immediately and are generally reef-safe, they can leave a white cast. Chemical sunscreens typically go on clear and feel lighter, but can take about 15-20 minutes to activate and may cause sensitivity on some skin types.

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      Brittany Scanniello, RD

      Author

      Brittany Scanniello is a freelance writer, registered dietitian-nutritionist, and owner of Eat Simply Nutrition, a Colorado-based integrative nutrition company and private practice.

      As a lifelong and collegiate athlete, Brittany has always kept fitness and nutrition a top priority. Her expertise lies in pediatrics, sports, and functional nutrition, though she is experienced in all nutrition-related matters. She strongly believes that food has the power to reduce the risk of chronic disease and help people feel energized so she works hard to make nutrition information accessible and easy to understand for all.

      Brittany received her undergraduate degree in human nutrition and dietetics from University of North Carolina in Greensboro. She also completed a dietetic internship to become a registered dietitian at UC Davis Medical Center in Sacramento, California.

      As a freelance nutrition and fitness writer, her work has been published in Eat This Not That, PopSugar, and other outlets. She is the author of The Complete Macro Cookbook.

      When Brittany is not counseling clients or writing, she enjoys working on her family's farm, golfing, playing with her three kids, and baking.

      Susan-Bard-bio

      Susan Bard, MD

      Medical Reviewer

      Susan Bard, MD, is a clinical instructor in the department of dermatology at Weill Cornell Medicine and an adjunct clinical instructor in the department of dermatology at Mount Sinai in New York City. Her professional interests include Mohs micrographic surgery, cosmetic and laser procedures, and immunodermatology.

      She is a procedural dermatologist with the American Board of Dermatology and a fellow of the American College of Mohs Surgery.

      Dr. Bard has written numerous book chapters and articles for many prominent peer-reviewed journals, and authored the textbook The Laser Treatment of Vascular Lesions.

      Nicole Bonaccorso

      Nicole Bonaccorso

      Editor & Tester

      Nicole Bonaccorso is a writer and editor with more than 12 years of journalism experience. She has been writing for Everyday Health since 2025, and has also been published on NBCNews.com, Treehugger, Verywell, Mashable, and Upworthy, among other publications.

      Nicole was also a senior editor at Weather.com for more than 11 years, covering everything from weather and climate change to health, science, and travel.

      In addition to writing, Nicole has also found a passion in helping new parents reach their breastfeeding goals and is working towards becoming a certified breastfeeding specialist.

      In her free time, Nicole enjoys hiking, camping, cooking, reading, and spending time outdoors with her two young sons, husband, and dog.

      Lacey-Muinos-bio

      Lacey Muinos

      Tester
      Lacey Muinos is a California-based writer specializing in nutrition, health, wellness, and skin. She received a bachelor's degree in English from California State Polytechnic University. Her work has appeared in a variety of publications and for several brands, such as Health.com, Livestrong, Healthline, Verywell Health, Real Simple, SingleCare, and EltaMD, among others.

      Tori Martinet, MS, RD

      Tester

      Tori Martinet is an Intuitive Eating dietitian, food writer, recipe developer, and food photographer based in Southern California. She received a master's degree in nutrition from Columbia University Teachers College and spent nearly a decade as the director of wellness and sustainability for a premier food service contractor based in New York City. In her time there she crafted wellness and sustainability programming for clients like Google, Citigroup, The Metropolitan Museum of Art, Harvard Business School, and the U.S. Open Tennis Tournament.

      She has been a dietitian for nearly 10 years and currently works in private practice, dedicated to helping people pursue health without restriction and dieting. She also writes freelance food and nutrition content and has been featured in publications like Eating Well, Food & Wine, Shape, The Spruce Eats, U.S. News 360 Reviews, Verywell Health, and many more.

      Marisa Olsen

      Marisa Olsen

      Tester

      Marisa Olsen is a seasoned food, health, and lifestyle writer as well as a product reviewer and tester. Her work has appeared in several print and digital publications, including EatingWell, Food & Wine, The Spruce Eats, Real Simple, and U.S. News & World Report's "360 Reviews." She also writes for local news websites Cohasset Anchor and Hingham Anchor. Marisa has also authored several food blogs, including Marisa Olsen Writes.

      She received her Bachelor of Arts from Connecticut College, where she graduated cum laude with a major in art history and a minor in psychology.

      Marisa lives south of Boston in Cohasset, Massachusetts with her two children and husband. When not writing, she enjoys traveling, cooking, exercising, and spending time at the beach and in her garden.

      Maria Cristina Lalonde

      Tester
      Maria Cristina Lalonde is a freelance writer based in Austin, Texas. She has written about sexual health, fitness, sleep, and nutrition for over a decade. Maria regularly contributes to outlets like Giddy, Houston Chronicle, AskMen, and U.S. News & World Report. She enjoys yoga, kickboxing, and performing improv comedy.
      EDITORIAL SOURCES
      Everyday Health follows strict sourcing guidelines to ensure the accuracy of its content, outlined in our editorial policy. We use only trustworthy sources, including peer-reviewed studies, board-certified medical experts, patients with lived experience, and information from top institutions.
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