When choosing UV protective clothing, the type of activity you plan to do really matters. Swim shirts, sun shirts and rash guards are often confused with one another, but each is designed with different features in mind. Understanding these differences can help you choose the right protection for your time outdoors.
Swim Shirts vs Sun Shirts

Swim Shirts
Swim shirts are designed for use in the water. They have a relaxed fit, similar to a regular T-shirt, but with the added benefit of UPF protection. The seams are soft to help prevent chafing, making them a good choice for long periods in the water.
Their flexible fit makes them popular for activities like boogie boarding, paddle sports or simply moving between the beach and the boardwalk. You may also hear them called surf shirts.
Sun Shirts
Sun shirts are designed primarily for use out of the water. While they often have moisture-wicking or quick-drying features, their main focus is UPF protection for day-to-day outdoor activities.
Because they are not designed to withstand constant water use, sun shirts come in a wider range of colours, fabrics and styles. They are ideal for walking, golfing, running errands or doing yard work on sunny days.
What is a Rash Guard?
Rash guards are the snug-fitting cousin of the swim shirt. They offer UPF protection and are built for high-output water sports like surfing.
Common features include:
- A tight, compressive fit that helps with warmth and mobility
- UPF protection for time spent in direct sun
- Resistance to sand, abrasion and ocean debris
- Quick-drying fabrics
- Insulating material that helps keep muscles warm
Rash guards are excellent for athletic water activities, although many people find them less comfortable for relaxed, casual wear.
Sun Protective Fabrics

High-quality sun protective clothing is made with UPF-rated fabrics that help block UV rays. Regular fabrics, such as cotton, often have loose weaves that allow UV rays to pass through easily, especially when wet or stretched.
For context:
- A regular cotton shirt has a UPF of about 5
- UPF 30 is considered good
- UPF 50+ is considered excellent
Advanced UPF fabrics use tighter weaves and special ingredients to help prevent UV rays from reaching the skin. For a full overview, visit our Guide to UV Protective Clothing.
Sun protective clothing works best when paired with sunscreen, shade and other sun-safe habits.
How to Choose the Right Option
Choosing between a sun shirt, swim shirt or rash guard depends mainly on where you plan to spend your time:
- Rash guards are the strongest choice for high-intensity or long-duration water sports.
- Sun shirts are best for land-based activities like hiking, golfing or walking.
- Swim shirts are ideal if you expect to be in and out of the water.
Finding Quality Rash Guards in Canada
When looking for a good rash guard, consider:
- Flatlock seams to help reduce chafing
- A snug fit for water sports or a relaxed fit for casual use
- UPF 50+ fabrics that dry quickly and resist chlorine and saltwater
Chlorine-resistant and saltwater-resistant fabrics help keep your gear durable for longer.
Finding the Right Fit for Your Lifestyle
If you expect to use your shirt even occasionally in the water, a swim shirt gives the most flexibility. If you want UPF protection for everyday use, a sun shirt is the better option. For water sports, a rash guard will give you the most function and comfort.
Enjoy the Sun Safely

Modern UPF clothing allows families to enjoy time outdoors while staying mindful of UV exposure. By pairing sun protective clothing with sunscreen, shade and sunglasses, you can make outdoor activities more comfortable and sun-safe year round.