Best Moisturizer With SPF: 6 Picks for Every Skin Type

The best moisturizers with SPF are CeraVe AM Facial Moisturizing Lotion SPF 30, La Roche-Posay Toleriane Double Repair UV SPF 30, Cetaphil Oil Absorbing Moisturizer SPF 30 and Vanicream Facial Moisturizer SPF 30. CeraVe is best overall because it combines ceramides, hyaluronic acid and niacinamide with broad-spectrum SPF 30 for $14.99. La Roche-Posay is best for dry and sensitive skin, Cetaphil is best for oily skin, and Vanicream is the mineral pick.

Before you buy, you can scan the barcode or label with the ingredient scanner in Pori to check the formula against your skin type. Pori reads the label; it doesn't diagnose skin conditions or test SPF.

We compared US Drug Facts labels, published ingredient lists, brand claims and listed prices; we did not test these products on skin. Prices are US listings as of November 2026 and change often.

Quick picks

• Best overall: CeraVe AM Facial Moisturizing Lotion SPF 30 ($14.99 for 3 fl oz, Target) - ceramides, hyaluronic acid and niacinamide, fragrance-free.
• Best for dry or sensitive skin: La Roche-Posay Toleriane Double Repair UV SPF 30 ($28.99 for 3.38 oz, Ulta) - glycerin, ceramide 3 and niacinamide in a calm base.
• Best for oily skin: Cetaphil Oil Absorbing Moisturizer SPF 30 ($14.39 for 4 fl oz, Target) - oil-absorbing powders for a matte finish.
• Best for combination skin: Cetaphil Oil-Free Facial Moisturizer SPF 35 ($18.99 for 3 oz, Ulta) - light, oil-free and non-comedogenic with niacinamide and panthenol.
• Best mineral: Vanicream Facial Moisturizer SPF 30 ($13.99 for 2.5 oz, Target) - zinc oxide only, with squalane and ceramides.
• Best higher SPF: CeraVe AM Facial Moisturizing Lotion SPF 50 ($14.19 for 3 fl oz, Target) - the same ceramide base with more protection.

Is a moisturizer with SPF as good as sunscreen?

It can be, if it's labeled broad spectrum, has SPF 30 or higher, and you use enough of it. In the US, a moisturizer with SPF is a sunscreen drug with a Drug Facts label, tested the same way. The AAD recommends an SPF of at least 30, which blocks 97% of the sun's UVB rays, and notes that moisturizers and cosmetics with SPF still need to be reapplied.

The weak point is how people apply it. In a 2019 study, 84 people applied an SPF 30 sunscreen and an SPF moisturizer on separate visits under a UV camera. With the moisturizer they missed 16.6% of the face, compared with 11.1% for sunscreen, mostly around the eyelids, and they didn't realize it. The authors suggested people used less moisturizer and found it harder to spread. So apply it like sunscreen: about a teaspoon for the face and neck, including the eyelid area and hairline. Our guide to how much sunscreen to use shows the amount.

For a long day outdoors, a swim or a workout, switch to a water-resistant sunscreen. None of the moisturizers here is labeled water resistant.

Which moisturizers with SPF are best?

CeraVe AM Facial Moisturizing Lotion SPF 30: best overall

This is the easiest daily habit for most people: one pump of moisturizer and sunscreen together. It uses a hybrid filter set of homosalate, octinoxate, octocrylene and zinc oxide, with ceramides, hyaluronic acid and niacinamide. Target lists it at $14.99 for 3 fl oz, fragrance-free and non-comedogenic.

Who it suits: normal to dry skin, and anyone who wants one cheap step. Who should skip it: people avoiding octinoxate, and deeper skin tones that dislike any zinc sheen. The catch: very dry skin may need a cream underneath. Our CeraVe AM vs PM lotion comparison explains when to use each.

La Roche-Posay Toleriane Double Repair UV SPF 30: best for dry or sensitive skin

Its US label lists avobenzone 3%, homosalate 5%, octisalate 5% and octocrylene 7%, with glycerin, ceramide 3 and niacinamide and no fragrance. Ulta lists it at $28.99 for 3.38 oz.

Who it suits: dry, sensitive or easily irritated skin. Who should skip it: anyone who wants mineral-only filters; the US version is chemical. The catch: it costs about twice as much as CeraVe. Our full review goes deeper.

Cetaphil Oil Absorbing Moisturizer SPF 30: best for oily skin

Sold under its older DermaControl name at Target, this lotion's label pairs avobenzone 3%, octisalate 5% and octocrylene 7% with silica, polymethyl methacrylate and aluminum starch octenylsuccinate to soak up oil. Target lists it at $14.39 for 4 fl oz, oil-free and unscented.

Who it suits: oily or shiny skin that still wants a moisturizer, which the AAD recommends even for oily skin. Who should skip it: dry skin, which will find it flat and tight. The catch: some reviewers say it doesn't stay matte all day. Our best sunscreen for oily skin has lighter gels if you need them.

Cetaphil Oil-Free Facial Moisturizer SPF 35: best for combination skin

As our Cetaphil guide details, this lotion uses avobenzone 2.8%, homosalate 9.5%, octisalate 4.8% and octocrylene 7%, with niacinamide, panthenol and glycerin. It's labeled fragrance-free, oil-free and non-comedogenic and lists at $18.99 for 3 oz at Ulta.

Who it suits: combination skin that is oily in the center and normal elsewhere. Who should skip it: very dry skin. The catch: it isn't water resistant.

Vanicream Facial Moisturizer SPF 30: best mineral

The only active is zinc oxide 19.5%, in a base with squalane, glycerin and five ceramides, and the carton says it's free of fragrance, dyes, lanolin and parabens. Target lists it at $13.99 for 2.5 oz.

Who it suits: sensitive skin, rosacea-prone skin and anyone who prefers mineral filters, which dermatologists recommend for sensitive skin. Who should skip it: medium to deep skin tones, where Target reviewers report a white cast. The catch: it's thicker than the chemical options. Our best mineral sunscreen for sensitive skin has tinted alternatives.

CeraVe AM Facial Moisturizing Lotion SPF 50: best higher SPF

The SPF 50 version keeps the ceramide, hyaluronic acid and niacinamide base and uses homosalate 8%, zinc oxide 7%, octisalate 5% and octocrylene 5%, as our CeraVe guide details. CeraVe calls it lightweight and says it blends into all skin tones. Target lists it at $14.19 for 3 fl oz.

Who it suits: people who spend time near windows or outdoors and want more margin for under-application. Who should skip it: very dry skin that needs a richer base. The catch: higher SPF doesn't let you skip reapplying.

Which moisturizers with SPF should you skip?

Skip anything under SPF 30 or without a broad-spectrum claim as your only daytime protection. Jack Black Double-Duty Face Moisturizer, for example, is SPF 20, below the AAD's minimum of 30. If you like the feel of a lower-SPF moisturizer, wear a separate sunscreen over it. Fragrance is the other thing to check if your skin is reactive; our fragrance-free skincare brands roundup lists safer lines.

Should you wear a moisturizer with SPF at night?

No need. UV filters do nothing in the dark, and a night cream without them is usually richer and cheaper per ounce. Use your SPF moisturizer in the morning and a plain moisturizer at night; our guides to the morning skincare routine and types of moisturizers cover both.

Do any moisturizers with SPF use the new bemotrizinol filter?

Not among our picks yet. The FDA added bemotrizinol to US sunscreens in June 2026, as our filters guide explains. The first US products to list it are dedicated face sunscreens, such as Neutrogena Ultra Sheer Daily Face SPF 70, with bemotrizinol 6%. To check any new product, read the active ingredients on its Drug Facts label.

How we chose

We included US moisturizers sold with a Drug Facts label, broad-spectrum SPF 30 or higher, and no added fragrance, and we chose one for each common skin type. We checked filters and inactive ingredients on DailyMed or the product label and took prices from Target and Ulta in November 2026. We did not test these products on skin or measure their SPF. Browse more in our sunscreens and moisturizers catalogues.