Banana Boat Protection + Vitamins Sunscreen Lotion SPF 50

Emollients help hydrate the skin by creating a thin barrier. This thin barrier prevents moisture from escaping.

You might have heard of "niacin flush", or the reddening of skin that causes itchiness. Niacinamide has not been found to cause this.

In very rare cases, some individuals may not be able to tolerate niacinamide at all or experience an allergic reaction to it.

If you are experiencing flaking, irritation, and dryness with this ingredient, be sure to double check all your products as this ingredient can be found in all categories of skincare.

When incorporating niacinamide into your routine, look out for concentration amounts. Typically, 5% niacinamide provides benefits such as fading dark spots. However, if you have sensitive skin, it is better to begin with a smaller concentration.

When you apply niacinamide to your skin, your body converts it into nicotinamide adenine dinucleotide (NAD). NAD is an essential coenzyme that is already found in your cells as "fuel" and powers countless biological processes.

In your skin, NAD helps repair cell damage, produce new healthy cells, support collagen production, strengthen the skin barrier, and fight environmental stressors (like UV and pollution).

Our natural NAD levels start to decline with age, leading to slower skin repair, visible aging, and a weaker skin barrier. By providing your skin niacinamide, you're recharging your skin's NAD levels. This leads to stronger, healthier, and younger looking skin.

Another name for vitamin B3 is nicotinamide. This vitamin is water-soluble and our bodies don't store it. We obtain Vitamin B3 from either food or skincare. Meat, fish, wheat, yeast, and leafy greens contain vitamin B3.

The type of niacinamide used in skincare is synthetically created.

It plays several roles in a formula:

Typical use levels for this ingredient sit around 1-10% and the Cosmetic Ingredient Review Expert Panel has affirmed safety at concentrations up to 25% in leave-on products.

Multiple assessments have found it to be non-irritating and non-sensitizing to most people.

However, there have been some cases of allergic contact dermatitis in patients with chronically compromised skin barriers.

Cetearyl alcohol has a comedogenic rating of 2 and irritancy rating of 1. Both of these numbers come from the 1989 study that used rabbit ears; a "2" means mildly comedogenic and a "1" means low irritancy.

Here's the catch: rabbit skin is more sensitive than human skin and throws a lot of false positives. A 1996 reappraisal found that ingredients rated 1-2 in the rabbit ear tests are generally safe for humans.

Remember comedogenic ratings are unable to assess the entire formula of a product or how it will react on your skin. Just be sure to patch test if you are unsure about certain ingredients.

This ingredient is not fungal acne safe. Cetearyl alcohol is a fatty alcohol with chain lengths that fall within the range that Malassezia can metabolize.

A 2019 study has also observed Malassezia growth in the presence of this ingredient, confirming it to be not-fungal acne safe.

A high amount of carbomer can cause pilling or balling up of products. Don't worry, most products contain 1% or less of carbomer.

As a preservative, it works by disrupting the membrane of microbial proteins. This helps keep bacteria and fungi from growing in your products.

The sensitization picture is actually quite assuring as well:of nearly 71,000 patients patch tested with benzyl alcohol, only 0.21% showed a positive reaction with most of them being weakly positive.

This led researchers to conclude that benzyl alcohol cannot be regarded as a significant contact allergen.

It is worth noting this ingredient is classified as one of the EU's regulated fragrance allergens and restricted to 1% in finished products.

Labels must also declare it in concentrations above 0.001% in leave-on products and 0.01% in rinse-off products.

At concentrations around 5%, localized redness and itching can appear as a direct irritant response and not as a true allergic reaction.

Ascorbyl Glucoside is an antioxidant. Antioxidants help fight free-radicals, or molecules that may damage skin cells.

It can help to reduce redness, improve skin texture, reduce the effects of aging, reduce the visibility of dark spots, and brighten skin.

Read more about other types of Vitamin C:

Your skin makes glycerin on its own (mostly from sebaceous oil breakdown) and shuttles it to your outermost layer of skin, or your epidermis, via aquaporin-3.

Aquaporin-3 is a transporter that is essential for normal skin hydration, elasticity, and repair. Interestingly, mice lacking in AQP3 have dry and less elastic skin that can be fully corrected with glycerin.

This ingredient is non-irritating, plays well with almost every ingredient, and works across all skin types. Typical use is anywhere between 3-10% but can go up to 79% in some leave-on products.

Just know very high concentrations (>40%) can feel tacky in low humidity.

Glycerin is the name for this ingredient in American English. British English uses Glycerol/Glycerine.

Chlorphenesin is soluble in both water and glycerin.

Studies show Chlorphenesin is easily absorbed by our skin. You should speak with a skincare professional if you have concerns about using Chlorphenesin.

This ingredient is considered gentle and non-comedogenic. However, it may still be irritating for some.

Your skin has a natural pH and acid mantle. This acid mantle helps prevent harmful bacteria from breaking through. The acid mantle also helps keep your skin hydrated.

"Alkaline" refers to a high pH level. A low pH level would be considered acidic.

The CIR Expert Panel has confirmed this ingredient to be nontoxic and clinical studies show no sensitization at cosmetic use concentrations.

True allergic reactions are quite rare: a 15-year retrospective study of 6,751 patients found only 0.31% had a positive reaction (and less than half were considered clinically relevant).

It seemed that when sensitization does occur, it's most commonly linked to topical medication (like corticosteroids) and not cosmetics. Allergic contact dermatitis also appears largely limited to individuals with underlying skin conditions.

Overall, propylene glycol is a well-studied ingredient that most people can tolerate without issue.

A double-blind study confirmed that extra virgin coconut oil is as effective as mineral oil for treating very dry skin. Another study found it outperformed mineral oil for mild to moderate atopic dermatitis in children.

Another study from 2018 found that virgin coconut oil can soothe inflammation and boost key skin barrier proteins. Just know this evidence is still only from lab settings and not human trials.

It has also been shown to reduce Staphylococcus aureus, a bacteria that commonly overgrows in people with eczema.

Clinical testing shows very minimal skin irritation and no evidence of sensitization or phototoxicity.

Coconut oil gets flagged as a "fragrance" because it has a natural mild scent (not because it's a synthetic perfume). The European Cosmetic ingredient database also lists "perfuming" as a function of this ingredient.

Just so you know, the term "fragrance" is completely unregulated. Some brands still use botanical extracts or essential oils in their "fragrance-free" formulas, but regulatory databases technically classify these under "fragrance".

Coconut oil has a tiny and useless bit of natural SPF. Early lab studies clocked it around SPF 7-8 but a more recent study found the real number closer to SPF 1.2. It also offers no meaningful UVA protection (SPF only overs UVB rays).

The comedogenic rating of 4/5 means it has a high potential to clog pores; but it's worth noting that comedogenicity is highly individual and ratings cannot predict how an overall formula will behave on skin.

Since lauric acid is the dominant fatty acid, this ingredient may not be fungal acne safe. The Malassezia yeast feeds on fatty acids with carbon chain lengths between 11-24, and lauric acid falls within these lengths (C12).

Xanthan gum is a pretty common and great ingredient. It is a natural, non-toxic, non-irritating ingredient that is also commonly used in food products.

On top of that, this ingredient can counteract the effects of hard water by binding to the minerals in it.

One thing worth knowing is that Disodium EDTA has been shown to be a mild penetration enhancer. It can help other ingredients absorb into skin more effectively which can be a double-edged sword (great for actives, but can also make the active too strong if you have sensitive skin).

Clinical patch testing showed no significant skin irritation at typical use concentrations and minimal dermal absorption.

You'll most likely see this ingredient near the end of an ingredient list. It's typically found in concentrations less than 1%.

Studies show green tea extract and its catechins (like epigallocatechin gallate (EGCG)) help your skin cells product energy more efficiently and reducing the number of free-radicals that can damage your skin from the inside.

In lab-grown skin models, this translated to younger, healthier, and stronger skin.

There's also good sun protection data; researchers saw less DNA damage and redness on human skin when green tea was applied before UVB exposure. And the more they applied, the better the protection.

Needless to say, this ingredient shouldn't replace your sunscreen. But it is a great supportive ingredient that you can already find in many sunscreens and antioxidant serums.

A 2009 study found a 2% green tea lotion was effective for mild-to-moderate acne thanks to its anti-inflammatory and mild antimicrobial activity.

The quality of the extract matters a lot here:

Good extracts contain 50-90% catechins while lower quality ones are mostly there for marketing. We recommend reaching out to the brand if you have questions about the quality or source of their ingredients.

Human Repeated Insult Patch Testing showed no irritation or sensitization at use concentrations (0.86% in leave-on products and up to 30% as leaf water).

For instance, Habanolide is a proprietary trade name for a specific aroma chemical. When used as a fragrance ingredient in cosmetics, most aroma chemicals fall under the broad labeling category of “FRAGRANCE” or “PARFUM” according to EU and US regulations.

The term 'parfum' or 'fragrance' is not regulated in many countries. In many cases, it is up to the brand to define this term.

For instance, many brands choose to label themselves as "fragrance-free" because they are not using synthetic fragrances. However, their products may still contain ingredients such as essential oils that are considered a fragrance by INCI standards.

One example is Calendula flower extract. Calendula is an essential oil that still imparts a scent or 'fragrance'.

Depending on the blend, the ingredients in the mixture can cause allergies and sensitivities on the skin. Some ingredients that are known EU allergens include linalool and citronellol.

Parfum can also be used to mask or cover an unpleasant scent.

The bottom line is: not all fragrances/parfum/ingredients are created equally. If you are worried about fragrances, we recommend taking a closer look at an ingredient. And of course, we always recommend speaking with a professional.

This ingredient is often coated with metal oxides like titanium dioxide. Trace amounts of heavy metals may be found in mica, but these metals are not harmful in our personal products.

Mica has been used since prehistoric times throughout the world. Ancient Egyptian, Indian, Greek, Roman, Aztec, and Chinese civilizations have used mica.

Tocopheryl Acetate is commonly found in both skincare and dietary supplements.

Titanium dioxide provides broad-spectrum protection mostly in the UVB and UVAII range, with some protection in the UVAI range.

While its UVA protection isn’t as strong as zinc oxide’s, the difference is minor.

A common myth is that mineral UV filters reflect UV light. However, modern research shows titanium dioxide absorbs UV radiation like chemical filters (~95% absorption & 5% reflection).

Thanks to its non-irritating nature, titanium dioxide is suitable for sensitive, acne-prone, or redness-prone skin. It is unlikely to cause "eye sting" like other sunscreen ingredients.

A major drawback of this ingredient is its white cast and thick texture. This is why mineral sunscreens often leave a white cast and are less cosmetically elegant than chemical/hybrid sunscreens.

To improve white cast and spreadability, micronized or nano-sized titanium dioxide is often used.

There are ongoing concerns surrounding nano-titanium oxide's impact on marine ecosystems.

There is no conclusive evidence that any form of titanium oxide (or any other sunscreen ingredients) will cause harm to marine ecosystems or coral reefs. The science is still developing but many consumers are keeping a close eye on this issue.

Please note, many destinations have reef-safety sunscreen rules. For instance, the U.S. Virgin Islands advises all visitors to use non-nano mineral sunscreens.

Nano mineral sunscreens once raised safety concerns about absorption into skin.

Extensive research has shown that they do not penetrate healthy or damaged skin; they remain safely on the surface and the top layer of dead skin (stratum corneum).

You'll likely find titanium dioxide bundled with alumina, silica, or dimethicone. These ingredients help make titanium dioxide highly photostable; this prevents it from interacting with other formula components under UV light.

A 2021 paper looked at skincare formulations containing iron oxides and found that they reduced transmission of blue light when measured optically. In simple terms, the pigment particles helped block or scatter part of the visible light spectrum in lab testing and the authors suggest this could translate into better protection against blue-light-related skin effects.

There is also clinical and experimental research showing that tinted products containing iron oxides can reduce visible light-induced pigmentation:

Please note, whether a product reduces visible or blue light depends on things like:

In the EU's CosIng database, iron oxides are only listed as a colorant. CosIng groups ingredients by their main cosmetic role, such as colorant, preservative, or UV filter.

Though studies say iron oxides can "attenuate blue light", they're describing an optical property and not an officially recognized cosmetic function.

So CosIng isn’t contradicting the research. It’s just classifying iron oxides by what they officially are: pigments that add color.