This disclosure provides coatings that eliminate the problem of persistent oil or grease smudges deposited on transparent coatings. Some variations provide an oil-smudge-resistant material comprising discrete inclusions dispersed within a continuous matrix, wherein one of the discrete inclusions and the continuous matrix is an oleophobic material, and the other is an oleophilic material. Specific embodiments incorporate segmented polyurethanes with oleophobic fluoropolymers and oleophilic hydrocarbons. Some embodiments utilize inorganic oleophilic particles in an oleophobic matrix. Some embodiments condense urethane-silane crosslinkers with other silanes to form discrete domains of oleophobic or oleophilic silanes within a continuous matrix of oleophilic or oleophobic polymer. Waterborne coatings are provided in which one of the discrete inclusions and the continuous matrix is derived from an aqueous dispersion of a linear crosslinkable polyurethane containing charged groups, and the other is derived from a crosslinking agent containing charged groups.