The invention discloses a whitening spot-relieving cream cosmetic, which comprises the following components by weight: A, a main body whitening spot-relieving component; B, an auxiliary whitening spot-relieving component; C, an oil phase component; D, a water phase component; E, thickening stabilization component; and F, an auxiliary agent component. The method for preparing the cosmetic comprises the following steps: a, raising the temperature of the C phase to between 65 and 95 DEG C, keeping the temperature between 75 and 85 DEG C, adding the B phase, and stirring and dissolving the mixture completely; b, raising the temperature of the D phase to between 65 and 95 DEG C, keeping the temperature between 75 and 85 DEG C, and stirring and dissolving the D phase completely; c, sucking the C mixed phase into an emulsification pot first, then sucking the D phase into the emulsification pot slowly, adding the A phase, homogenizing the mixture for 5 to 15 minutes, keeping the temperature and stirring the mixture for 5 to 15 minutes, and vacuumizing the mixture to reduce the temperature; d, adding the E phase when the temperature is between 50 and 70 DEG C, homogenizing the mixture for 2 to 3 minutes, and stirring the mixture evenly; and e, adding the F phase when the temperature is between 30 and 50 DEG C, and stirring the mixture evenly to obtain the product of the whitening spot-relieving cream cosmetic. The invention aims to overcome the defects of the prior art and provide a quick, high-efficiency, green and safe whitening spot-relieving cream cosmetic product.