The present disclosure relates to stable cosmetic compositions for delivering high amounts of ascorbic acid (vitamin C) and ceramides to the skin, products containing such cosmetic compositions, and methods for treating skin using the cosmetic compositions. The cosmetic compositions include ascorbic acid, one or more ceramides, panthenol, one or more monoalcohols having from 2 to 6 carbon atoms, one or more polyols, one or more fatty compounds, one or more emulsifiers, one or more cationic surfactants, and water. The cosmetic compositions are particularly useful for treating the effects of skin aging, for example, reducing the appearance of wrinkles and improving skin tone.