The invention discloses a pearl skin-whitening BB cream which comprises the following components: 5-10 percent of modified nano pearl powder, 5-10 percent of nanoscale ipophilic titanium dioxide, 1-5 percent of superfine lipophilic talcum powder, 0.5-2.5 percent of a lipophilic iron oxide pigment, 5-10 percent of octanoic/capric triglyceride, 1-5 percent of cetyl PEG/PPG-10/1 polydimethylsiloxane, 5-15 percent of cyclopentasiloxane, 1-5 percent of isohexadecane, 1-5 percent of cyclomethicone, 5-10 percent of butanediol, 5-10 percent of glycerol, 1-5 percent of 1,2-pentanediol, 0.1-1 percent of sodium chloride, 0.1-0.3 percent of EDTA-disodium, 0.005-0.05 percent of sodium hyaluronate, 1-5 percent of a co-emulsifier, 0.5-2.5 percent of cosmetic, 0.1-0.5 percent of a preservative, 0.03-0.3 percent of essence and the balance of deionized water. The invention further discloses a preparation method of the pearl skin-whitening BB cream.