Understanding the Two Types of Protection
Sunscreen confusion ends here. The difference between chemical and physical (mineral) sunscreen comes down to how they protect your skin. Chemical sunscreens absorb UV rays and convert them into heat, while physical sunscreens sit on your skin and reflect UV rays away—like tiny mirrors for the sun.
Physical (Mineral) Sunscreen: Immediate and Visible
Blue Lizard Australian Sunscreen
$8 - $12
A cult-favorite physical sunscreen with zinc oxide and titanium dioxide. It provides immediate UV protection and includes antioxidants. The texture is creamy but not greasy on most skin types.
How it works: Physical sunscreens use mineral blockers (zinc oxide and/or titanium dioxide) that create a barrier on your skin. They start protecting the moment you apply them—no waiting required.
Best for: Sensitive skin, rosacea, reactive skin, babies, and anyone who burns easily. Also great for days when you'll be in water since they're more water-resistant.
Chemical Sunscreen: Lightweight and Invisible
Neutrogena Ultra Sheer Dry-Touch SPF 30
$6 - $9
A lightweight chemical sunscreen that absorbs quickly and leaves no white cast. It contains oxybenzone, avobenzone, and other UV absorbers that are proven effective and affordable.
How it works: Chemical sunscreens use organic compounds that absorb UV rays, convert them to heat, and release that heat from your skin. They require 15 minutes to become effective.
Best for: Oily and acne-prone skin, people with makeup routines, anyone who finds physical sunscreen too heavy, daily facial use when you want zero white cast.
Key Differences Explained
Application timing: Physical works instantly; chemical needs 15 minutes. For daily use, this doesn't matter much. For the beach, physical is more convenient.
White cast: Physical sunscreens almost always leave some white cast. Modern formulas minimize it, but it's still visible. Chemical sunscreens are invisible.
Stability: Physical sunscreens are more stable and don't break down as easily. Chemical sunscreens degrade with sun exposure and need more frequent reapplication.
Sensitivity: Physical is safer for extremely sensitive skin. Some people react to chemical filters like oxybenzone or avobenzone.
Water resistance: Physical sunscreens are more water-resistant naturally. Chemical sunscreens need special water-resistant formulation.
The Verdict
The best sunscreen is the one you'll use every single day. If you hate the white cast of physical sunscreen and won't wear it, then chemical is better. If you have sensitive skin or hate reapplication, physical is your answer.
Many dermatologists recommend having both: a chemical sunscreen for daily facial use under makeup, and a physical sunscreen for beach days, water activities, and sensitive areas like the lips.