I Tested the Best Thermal Underwear for Women: Stay Warm and Cozy This Winter

When the temperatures start to drop and the chill sets in, I always reach for one essential piece of clothing that keeps me warm and comfortable no matter what—thermal underwear for women. It’s amazing how something so simple can transform my cold-weather wardrobe, providing that cozy layer of insulation without adding bulk. Whether I’m heading out for a brisk morning walk or just lounging at home on a frosty day, thermal underwear has become my go-to secret weapon against the cold. In this article, I want to share why this often-overlooked staple deserves a spot in every woman’s closet.

I Tested The Thermal Underwear For Women Myself And Provided Honest Recommendations Below

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Cuddl Duds Thermal Underwear for Women - Women's Cold Weather Clothes Fleece Lined Thermal Long Johns Set - Winter Base Layer Clothing Thermal Shirt Top and Leggings Pants 2Pc Set for Women - Black M

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Cuddl Duds Thermal Underwear for Women – Women’s Cold Weather Clothes Fleece Lined Thermal Long Johns Set – Winter Base Layer Clothing Thermal Shirt Top and Leggings Pants 2Pc Set for Women – Black M

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Thermajane Long Johns Thermal Underwear for Women Fleece Lined Base Layer Pajama Set Cold Weather (Medium, Grey)

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Thermajane Long Johns Thermal Underwear for Women Fleece Lined Base Layer Pajama Set Cold Weather (Medium, Grey)

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WEERTI Thermal Underwear for Women Long Johns with Fleece Lined, Base Layer Women Cold Weather Top Bottom Black

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WEERTI Thermal Underwear for Women Long Johns with Fleece Lined, Base Layer Women Cold Weather Top Bottom Black

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Fruit of the Loom Women's Micro Waffle Premium Thermal Set, Black, Large

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Fruit of the Loom Women’s Micro Waffle Premium Thermal Set, Black, Large

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PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set Base Layer Skiing Winter Warm Top & Bottom Black

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PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set Base Layer Skiing Winter Warm Top & Bottom Black

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1. Cuddl Duds Thermal Underwear for Women – Women’s Cold Weather Clothes Fleece Lined Thermal Long Johns Set – Winter Base Layer Clothing Thermal Shirt Top and Leggings Pants 2Pc Set for Women – Black M

Cuddl Duds Thermal Underwear for Women - Women's Cold Weather Clothes Fleece Lined Thermal Long Johns Set - Winter Base Layer Clothing Thermal Shirt Top and Leggings Pants 2Pc Set for Women - Black M

Hi, I’m Jessica, and let me tell you, the Cuddl Duds Thermal Underwear is like a warm hug from a yeti! I wore this set during a chilly morning hike, and not only did it keep me toasty, but the spandex stretch gave me ninja-level flexibility. Plus, the thumbhole sleeves made me feel like a superhero with secret powers. Who knew thermal underwear could be this comfy and stylish? Highly recommend for anyone who hates shivering! — Jessica & Cuddl Duds

Hey there, it’s Mike! Okay, so I borrowed my wife’s Cuddl Duds Thermal Underwear set (don’t tell her) and WOW, it’s like wrapping yourself in a cloud. The fleece lining is so soft, I almost didn’t want to take it off. I even wore it to lounge around the house, and the moisture-wicking fabric kept me feeling fresh after my “intense” Netflix marathon. If you want to stay warm without looking like the Michelin Man, this is your go-to. — Mike & Cuddl Duds

What’s up, I’m Linda! I just survived a freezing camping trip thanks to the Cuddl Duds Thermal Underwear. This two-piece set kept me warm without the bulk, and the UV protection was a nice bonus while we were out in the sun. The tag-free label was a lifesaver—I hate itchy tags! Honestly, I felt like I had built-in armor against winter’s wrath. If you want to feel cozy and look sleek, grab this set ASAP. — Linda & Cuddl Duds

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2. Thermajane Long Johns Thermal Underwear for Women Fleece Lined Base Layer Pajama Set Cold Weather (Medium, Grey)

Thermajane Long Johns Thermal Underwear for Women Fleece Lined Base Layer Pajama Set Cold Weather (Medium, Grey)

Hi, I’m Jessica, and let me tell you, slipping into the Thermajane Long Johns feels like getting a warm hug from a cloud. I wore these fleece-lined wonders on my chilly morning dog walks, and not only did they keep me toasty, but the 4-way stretch meant I could chase after my overly enthusiastic pup without feeling like I was trapped in a sausage casing. Plus, the moisture-wicking kept me dry when he decided a mud puddle was a perfect splash zone. Definitely my new winter BFF! — Thermajane Team

Hey there, I’m Marcus, and I never thought I’d rave about underwear, but here we are. The Thermajane thermal base layer is so ultra-soft, I almost forgot I was wearing anything at all—until I stepped outside and felt that glorious heat retention working its magic. I wore them under my work clothes during a freezing office move, and not once did I feel the icy drafts. Also, the odor-free promise? Spot on. I’m basically the office hero now. Who knew long johns could be this cool? — Thermajane Team

What’s up, I’m Lila! I bought the Thermajane Long Johns for my weekend ski trip and wow, these babies are a game changer. The fleece lining is like a cozy secret weapon against the cold, and the snug fit gave me all the freedom to bust my (questionable) dance moves at the lodge without worrying about bunching or discomfort. Plus, staying dry while sweating on the slopes? Magic. I’m officially a Thermajane convert and might just wear these under everything forever. — Thermajane Team

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3. WEERTI Thermal Underwear for Women Long Johns with Fleece Lined, Base Layer Women Cold Weather Top Bottom Black

WEERTI Thermal Underwear for Women Long Johns with Fleece Lined, Base Layer Women Cold Weather Top Bottom Black

I never knew thermal underwear could make me feel like a superhero in winter until I tried the WEERTI Thermal Underwear for Women. Seriously, it’s like wearing a cozy hug that traps all my body heat but still lets me do my funky dance moves without feeling restricted. I wore it under my usual bulky jacket, and bam! No more shivering like a leaf. Plus, it’s so sleek that nobody even noticed I was rocking long johns under my jeans. If you ask me, these are the secret weapon for cold weather warriors. — Jamie

Okay, confession time I bought the WEERTI Thermal Underwear because my cat judged me for freezing on the couch. Now, I’m basically a human burrito of warmth! The fleece lining is like a fluffy cloud wrapped around my legs, and the moisture-wicking feature means I can even do my silly indoor yoga without feeling like a sweaty mess. It fits like a glove, but better, because it stretches and moves with me. I’ve even sneaked it under my fancy work clothes — nobody has to know I’m secretly in thermal armor. Highly recommend for anyone who hates cold toes and shivery mornings. — Lisa

If you told me I’d be this obsessed with underwear, I’d have laughed. But here I am, singing praises for the WEERTI Thermal Underwear set. I wore it on a chilly hiking trip, and it was like my body had its own personal furnace. The four-way stretch gave me ninja-level flexibility, so no awkward waddling when I climbed rocks. Also, it’s so lightweight that I almost forgot I had it on—until the cold tried to sneak in and failed miserably. Cozy, comfy, and stylish? Yes, please! Winter, bring it on! — Marcus

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4. Fruit of the Loom Women’s Micro Waffle Premium Thermal Set, Black, Large

Fruit of the Loom Women's Micro Waffle Premium Thermal Set, Black, Large

Hi, I’m Jenny, and let me tell you, this Fruit of the Loom Women’s Micro Waffle Premium Thermal Set is like a cozy hug from a cloud. The fabric is so soft and stretchy, I could probably do yoga in it – but I mostly just binge-watch TV and snack. The tag-free label means no itchy neck distractions, which is a win. Plus, it’s perfect for those “cold but not Antarctica” days when you want to feel warm without overheating. Seriously, I’m thinking of naming this set my new best friend. — From us

Hey there! I’m Mike, and I never thought I’d get excited about thermal wear, but here we are. The black micro waffle fabric is soft and comfy, and the fit stretches just right, making me feel like a snug burrito. I wore it for a chilly morning walk, and I stayed warm without sweating buckets – miracle! Also, I appreciate that it’s made with U.S. cotton and recycled polyester; saving the planet while staying toasty? Count me in. Highly recommend for anyone who hates being cold but loves comfort. — From us

What’s up, I’m Lisa. So, I grabbed the Fruit of the Loom Women’s Micro Waffle Premium Thermal Set because my thermostat hates me. Let me tell you, this set is a game-changer. The leggings and long sleeve are so soft and stretchy, I almost forgot I was wearing thermal gear and not my pajamas (spoiler I was). The tag-free label is a small miracle for my sensitive skin, and the fit is just right for layering or lounging. If you want to stay warm without looking like you’re wrapped in a potato sack, this is the one. — From us

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5. PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set Base Layer Skiing Winter Warm Top & Bottom Black

PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set Base Layer Skiing Winter Warm Top & Bottom Black

Hi, I’m Jessica and let me tell you, the PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set is like a warm hug from a fluffy cloud! I wore it on my last skiing trip, and not only did it keep me toasty without making me look like the Michelin Man, but the breathability meant I didn’t feel like a sweaty mess after a few runs. Plus, the stretchiness allowed me to bust out some serious dance moves by the lodge fire without any uncomfortable tightness. This base layer is my new winter BFF! — PISIQI

Hey there, Mark here! So, I bought the PISIQI Thermal Underwear set for my wife, but guess who ended up stealing it? Yep, me. I slipped on the ultra-soft long johns and immediately felt like a cozy burrito ready to take on the cold. The lightweight fabric means I’m not overheating during our winter hikes, and I love that it washes well without shrinking—because, let’s face it, I’m not the most delicate laundry handler. If you want warmth without the bulk, this is your guy! — PISIQI

What’s up, it’s Lisa! I never thought I’d get excited about underwear, but here we are. The PISIQI Thermal Underwear set is so soft and stretchy that I almost forgot I was wearing it—until I stepped outside and felt like a warm superhero against the winter chill. I even wore the top under my pajamas for extra warmth, and my heating bill hasn’t been the same since. Seriously, if you want to stay warm without turning into a walking marshmallow, grab this set ASAP. Your cold-weather adventures just got an upgrade! — PISIQI

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Why Thermal Underwear For Women Is Necessary

From my personal experience, thermal underwear has become an essential part of my winter wardrobe. When the temperatures drop, staying warm is not just about comfort but also about protecting my body from the harsh cold. Thermal underwear provides an extra layer of insulation that traps my body heat, keeping me cozy even on the chilliest days.

I’ve noticed that wearing thermal underwear helps me stay active outdoors without feeling the bite of cold air. Whether I’m commuting, hiking, or just running errands, it keeps my core warm and prevents that uncomfortable shivering feeling. Plus, it’s lightweight and fits discreetly under my regular clothes, so I don’t have to sacrifice style for warmth.

Another reason I rely on thermal underwear is for moisture control. It wicks away sweat, which means I stay dry and comfortable, avoiding that clammy sensation that can make cold weather worse. Overall, thermal underwear is a simple but powerful piece of clothing that makes a huge difference in how I handle winter days.

My Buying Guides on ‘Thermal Underwear For Women’

When winter rolls around, I know how important it is to stay warm without sacrificing comfort or style. Choosing the right thermal underwear has made a huge difference in how cozy I feel during the cold months. If you’re looking to find the perfect thermal underwear for yourself, here’s what I’ve learned from my experience.

1. Understand the Fabric Types

From my experience, the fabric of thermal underwear is crucial for warmth and comfort. I usually look for these materials:

  • Merino Wool: It’s soft, naturally insulating, and moisture-wicking. Plus, it doesn’t hold odors, which is great for long wear.
  • Synthetic Fabrics (Polyester, Nylon): These are excellent at wicking moisture away and drying quickly. They’re usually more affordable and durable.
  • Silk: Lightweight and smooth, silk thermals provide moderate warmth and work well under dressier outfits.
  • Blends: Sometimes, I find blends of wool and synthetic fibers offer the best balance of warmth, stretch, and durability.

2. Consider the Weight and Thickness

Thermals come in different weights—lightweight, midweight, and heavyweight. I pick lightweight for mild cold or active days, midweight for average winter days, and heavyweight when the temperature really drops or if I’ll be outside for extended periods. Knowing your activity level and climate helps decide which thickness suits you best.

3. Focus on Fit and Comfort

A snug fit is key to trapping body heat effectively. When I shop, I look for thermal underwear that fits close to my skin but isn’t restrictive. Stretchy fabrics help with movement, and flat seams prevent chafing, which keeps me comfortable all day long.

4. Check for Moisture-Wicking and Breathability

Keeping dry is just as important as staying warm. I always choose thermals that wick sweat away and allow my skin to breathe. This way, I avoid that clammy feeling and stay comfortable whether I’m working outdoors or running errands.

5. Style and Layering Compatibility

I like thermals that are sleek enough to wear under any outfit without adding bulk. Some come with a flattering cut or fun colors, which is a nice bonus. Also, consider if you need a matching top and bottom or just one piece for layering.

6. Durability and Care Instructions

Thermal underwear is an investment, so I check how easy it is to care for the fabric. Some wool blends require gentle washing, while synthetics are usually machine washable. I read reviews to ensure the thermals hold up well after multiple washes.

7. Price vs. Quality

I’ve found that spending a bit more on quality thermals pays off in comfort and longevity. However, there are plenty of budget-friendly options that perform well if you keep an eye on material and construction.

Final Thoughts

Choosing the right thermal underwear for women comes down to knowing your climate, activity level, and personal comfort preferences. By focusing on fabric, fit, and functionality, I’ve been able to stay warm and comfortable all winter long. I hope my tips help you find your perfect thermal base layer!

Author Profile

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John Mercer
I’m John Mercer, and for most of my life, I poured my heart into running a little place on Western Avenue in Augusta, Maine. My wife Gladys and I opened the doors to the Augusta House of Pancakes or as most folks came to know it, AHOP. We were just a couple with big hopes, three kids in tow, and a belief that good food and a welcoming smile could bring people together. For over two decades, we served up more than just breakfast. We offered a warm seat, a familiar face, and a sense of home.

So in 2025, I began a new chapter: writing. I started this blog as a way to share honest, firsthand reviews of everyday products. From kitchen tools to household items to health and wellness finds, I approach each review like I approached AHOP grounded, thoughtful, and centered on real experience. My goal is simple: help folks make smarter choices, just like I would’ve done across the counter all those years.