Best moisturiser with SPF and SPF makeup

What SPF do I need? Protect your skin with our pick of the best SPF moisturisers and makeup

27th April 2023 | Author: Victoria Woollaston-Webber

We’ve handpicked the best moisturisers and makeup with SPF to make protecting yourself from the sun hassle-free and affordable


Click the links below to jump to the relevant section:

What SPF do I need? 

How to choose an SPF using your phototype

Best SPF products

With summer in the air, we can almost feel the warm sun on our skin while sitting in a pub garden. This of course means it’s time to take SPF more seriously.

As we explain in our What is SPF? guide, it is vital – even if you’re spending most of the time indoors – to protect your skin using products with a sun protection factor.

This applies all year round, not just when it’s sunny but we know that not everyone wants to do this.

From guarding your skin against age spots at one end of the spectrum to protecting yourself from cancer at the other, you, your skin, and your health will thank you for investing in one of our best SPF products.

FURTHER READING: Best SPF powder: Protect your skin while getting flawless makeup

What SPF do I need?

UV light comes in two main variations, UVA and UVB. UVB rays are what cause your skin to tan, they cause sunburn and they increase the risk of skin cancers because they penetrate the upper layers of the skin. UVA rays also cause skin cancer but in the deeper layers of the skin.

UVA rays are much more dangerous because, aside from causing signs of premature ageing, they’re the same strength all day, no matter where you are in the world. Up to 80 per cent of these UV rays penetrate through clouds, and windows, even in winter.

Ultimately the best SPF will protect against both of these rays, so you need to look for SPF described as “broad-spectrum”. The best way to get broad-spectrum protection is via a dedicated sun cream, however, buying makeup that contains SPF is still better than nothing. Even if it doesn’t protect quite as well.

How to choose an SPF based on your Phototype

What is sunburn and how to get rid of sunburnGetty Images/iStockphoto

Knowing what SPF rating you need is a little trickier. This is because it depends on how long it takes your skin to redden in the sun, and this is determined by your “phototype.”

All skin types are categorised on the Fitzpatrick scale. This scale refers to the pigment of skin, and how likely those skin types are to tan and burn. People with Skin Type VI have a dark skin colour and are usually of African descent. Their skin rarely burns which means their risk of skin cancer is low.

The other types are:

  • Type I: Always burns, never tans
  • Type II: Usually burns, tans a little
  • Type III: Sometimes burns, tans uniformly
  • Type IV: Rarely burns, always tans well
  • Type V: Very rarely burns, tans very easily
  • Type VI: Never burns

A number written on the front of an SPF product refers to the amount of time it takes to start to burn compared to how long it would take if you weren’t wearing any SPF cream at all.

For example, if you burn easily (Type I/Type II) – within 10 minutes or so – a moisturiser with SPF 15 means it would take 15 times longer for your skin to burn than if you went out sunscreen-free.

If you multiply the numbers together (15 x 10 = 150), this means a face cream with SPF 15 will protect you for 150 minutes, or two and a half hours. If you burn much slower, the same SPF cream will protect you for longer.

Our advice is to go for the highest-rated SPF moisturiser or SPF face cream you can afford, regardless of your skin type. This means you’re covering all bases.

We should also note that if you use various different SPF products – from moisturisers to foundations and eye creams – you can’t add the SPF numbers of each together. For example, an SPF foundation of 15 with a moisturiser with SPF 30 does not give you protection of SPF 45. You’re only as protected as the highest-numbered product, which in our example would be SPF 30.

Plus, no matter what SPF product you’re using, you need to keep topping up your SPF throughout the day to maximise protection. We recommend the Garnier Ambre Solaire Over Makeup Super UV Protection Mist, which you can read more about below.

Best SPF products


  1. Best moisturiser with SPF: Jurlique UV Defence Lotion SPF50 PA++++ 
  2. Best SPF for oily, spotty skin: Nip + FAB Glycolic 
  3. Best SPF foundation: IT Cosmetics Better than CC+ cream 
  4. Best SPF setting spray: Garnier Ambre Solaire Over Makeup Mist
  5. Best tinted moisturiser with SPF: bareMinerals Complexion Rescue 
  6. Best SPF for face: Garnier Sensitive Advanced Face UV Face Fluid 
  7. Best SPF tanning oil: Bondi Sands Protect and Tan SPF15 Tanning Oil 


WANT TO KNOW MORE? Best BB cream | Best moisturiser | Best tinted moisturiser  | Best toner | Best primer | Best cleanserBest eye creamBest anti-ageing cream | Best hand cream| Best foot cream | Best face mask  | Best face exfoliator | Best face oil| Best serum | Best night cream | Best SPF | Best Vitamin C serum | Men’s skincare routine| Best stretch mark cream

Best moisturiser with SPF: Jurlique UV Defence Lotion 

£38 | Buy now

Why we love it: A number of the products in our best moisturiser list contain SPF.

Charlotte Tilbury’s brilliant Magic Cream, for example, has SPF 15, as does the highly affordable Nivea Q10 Power cream.

This should be enough to protect you for short periods of time, but if you’re spending a lot of time outside, concerned about age spots or have particularly fair skin, we recommend a moisturiser with a higher SPF.

The best we’ve found, that ticks all the boxes, is the Jurlique UV Defence Lotion SPF50 High Protection PA++++.

Providing the skin with an invisible shield against harmful rays, the lotion also softens and refreshes at the same time.

This means you don’t have to sacrifice smooth skin for higher protection. It’s easy to apply and leaves no waxy or sticky residue, which makes the lotion lightweight and oil-free. The grade of PA++++ means that the cream offers the best protection against the strongest UVA rays.

FURTHER READING: The science of sunburn

Buy now from Lookfantastic

Best moisturiser with SPF for oily, spotty skin: NIP + FAB Glyolic

£19.95 | Buy now

Why we love it:  Despite being in our mid-30s, we still regularly suffer from spots and outbreaks and this makes us a little wary of adding a moisturiser with SPF, or any SPF face cream to our carefully balanced skincare routine.

However, we recently made an exception for this fantastic SPF 30 moisturiser from NIP + FAB.

Firstly, it’s oil-free making it extremely lightweight and less likely to clog up your pores.

It features glycolic acid to help brighten and clear the skin – read more about this in our guide to the acids in your skincare – alongside silica microspheres that smooth your skin and reduce the appearance of wrinkles and imperfections. E

Elsewhere, Witch Hazel soothes and calms the skin, reduces redness and acts as an anti-inflammatory ingredient,  and niacinamide provides a barrier on the skin to lock in moisture and improve the look of an uneven skin tone. It ticks so many boxes for less than £20!

Buy now from Lookfantastic

Best SPF setting spray: Garnier Ambre Solaire Over Makeup Mist

£33 | Buy now

Garnier Ambre Solaire Makeup MistGarnier

Why we love it: Just when you think you’ve nailed your SPF routine by remembering to apply it every day, you’re told that you have to top up your SPF coverage throughout the day to truly protect your skin from the sun. Sorry!

If you’re not wearing makeup, reapplying SPF every couple of hours is relatively straightforward. However, if you’ve spent ages getting ready you don’t then want to cover your makeup with sunscreen and potentially ruin your hard work.

This is where SPF mists and SPF setting sprays come in and the best we’ve tried, and one which won’t break the bank, is Garner Ambre Solaire’s Over Makeup Mist.

All you need to do to refresh your SPF and makeup at the same time is to shake the bottle, close your eyes and spray all over your face. It doesn’t feel too heavy on the face, nor is it drying meaning that you can apply multiple layers throughout the day without worrying.

Avoid spraying in your eyes, and close your mouth when applying because it does not taste nice!

Buy now from Lookfantastic

Best SPF foundation: IT Cosmetics Better than CC+ cream

£33 | Buy now

Why we love it: If you’re avid readers of mamabella, you’ll know just how much we rate this foundation from IT Cosmetics. Honestly, it’s an absolute wonder product and – while not cheap – it could easily replace a number of lotions and potions on your dressing table.

It combines the primer properties of a BB cream, the colour correction of CC cream and the coverage of a foundation and concealer.

It’s buildable and offers SPF 50 while also including hyaluronic acid, soy extract, firming collagen and hydrolysed silk, grapefruit, orange, bergamot and lemon oils.

The addition of these latter ingredients would even make this foundation an ideal moisturiser with SPF.

You can read more about why we love this product so much in our guide to the best multi-purpose makeup, or discover why hyaluronic acid is one of the latest must-have skincare ingredients.

See our science of moisturiser article or our What is hyaluronic acid guide? for more info.

Buy now from Cult Beauty

Best tinted moisturiser with SPF: BareMinerals Complexion Rescue Tinted Moisturiser

£30 | Buy now

Why we love it: Most foundations and the best tinted moisturisers now come with SPF – which is handy as it’s a two-in-one step in the morning.

We love bareMinerals’ tinted moisturiser with SPF as it gives a glowy, natural-looking coverage while containing a broad spectrum mineral-based SPF30. This means it battles and protects against both UVA and UVB.

Offering clean, protective and hydrating coverage, this gel cream is lightweight and is one of our favourites when it comes to combining the benefits of makeup, skincare and SPF all in one.

The coverage is buildable too, so it’s the perfect option for anyone less sure about going bare-faced.

Get more recommendations in our guide to the best tinted moisturiser.

Buy now from BareMinerals

Best SPF for face: Garnier Sensitive Advanced Face UV Face Fluid

£12 | Buy now

Why we love it: If you’re looking for a more dedicated sunscreen for your face, as opposed to a moisturiser with SPF, or SPF foundation, then the latest sun cream from Garnier Ambre Solaire is great. Called UV Face Fluid, it has been specifically developed for the more sensitive face and delicate eye area.

It has a light texture that is fast-absorbing and non-greasy, making it perfect for your face and means it can be worn with or without makeup.

This is bolstered by the fact the formula is packed full of hyaluronic acid and glycerin to keep the skin well-hydrated for 24 hours.

It protects the skin against UVA, UVB and long UVA rays so you can rest assured you’re fully protected against all wrinkles, sunburn and damage.

This sun cream also contains the latest innovation from Garnier: intelligent polymer technology.

This formula traps oil and UV filters in microcrystals to create a flexible protective film and optimal UV filter distribution which ultimately creates an invisible shield against all UV rays and leaves your face in its most protected state.

Buy now from Boots

Best SPF tanning oil: Bondi Sands Protect and Tan SPF15

£12.99 | Buy now

Why we love it:  If you enjoy getting a golden glow alongside protecting your skin, Bondi Sands’ tanning oil could be the product for you as it is dual-purpose.

The self-tanning ingredients in this product allows for maximum colour as you bask in the sun, while its SPF15 still means you and your skin are protected from the sun. You can look like you’ve just been on holiday instead of in lockdown, and you and your skin can get your golden glow on without worrying about being harmed by damaging UV rays.

This is a great product because, even though it is an oil, the non-greasy formula makes it easy to apply and fast-absorbing into the skin. Unlike other Bondi Sands sunscreens and other sun lotions in general, this one doesn’t specify as being water-resistant so that’s something to bear in mind when using it in a pool or the sea.

We should add – sorry to party poopers – that any changes in pigment to your skin caused by the sun are actually damaging it. Self-tanning is the only safe way to get a golden tan without running any risks.

You can read more in our guide on how to get rid of age spots.

Buy now from Lookfantastic

♥︎ Don’t miss out! Sign up for the mamabella newsletter today ♥︎




This site contains affiliate links to recommended products. We may receive a commission for purchases made through these links. We will not recommend anything we don't believe in and we are not paid by brands to include specific products unless explicitly stated.
Next Article Previous Article