Disclosed is a topical skin care composition, and method for its use, that includes 55 to 65% by weight of water, 15 to 20% by weight of a combination of 3,3,5-Trimethylcyclohexyl 2-hydroxybenzoate (homosalate), 1-(4-Methoxyphenyl)-3-(4-tert-butylphenyl)propane-1,3-dione (avobenzone), 2-ethylhexyl 2-hydroxybenzoate (octisalate), and 2-ethylhexyl 2-cyano-3,3-diphenyl-2-propenoate (octocrylene), 3 to 4% by weight of distearlydimonium chloride, and 1 to 3% by weight of a combination of euterpe oleracea fruit extract, punica granatum sterols, caprooyl tetrapeptide-3, tocopherol or tocopherol acetate, and niacinamide, wherein the composition has a sun protection factor of at least 15 or about 15 to 20.