Perhaps the biggest difference between lotion and cream is that lotions have higher water content. A lotion is typically a mix of water and droplets of oil, is lighter weight than cream, and is non-greasy. Like lotion, a cream is a blend of oil and water, but with a higher oil concentration (a 50-50 ratio of water and oil). Creams are thicker in consistency than lotions and provide a barrier that keeps skin ultra-hydrated.