Beyoncé performs the song's chorus and backing vocals, as her label was trying to assess her viability as a solo artist outside of her girl group Destiny's Child.

Contemporary critics negatively compared the single to the more personal tracks on the album; later coverage focused on Beyoncé, who was praised for her vocals.

[2][5] Her features received a significant amount of radio airplay;[5] VH1's Renaud Jean-Baptiste Jr. singled out the success of her songs with Jay-Z as leading to the creation of her 2000 album All Money Is Legal.

[6] In The Source magazine, Aliya S. King contrasted Poke & Tone's work on the song with the rest of the album, which she said was handled by "a slew of up-and-comer producers".

[7] "I Got That" was recorded by Steve Sauder at the Hit Factory in New York City, where it was mixed by Rich Travali, and by Mark Mason at Platinum Post Studios in Winter Park, Florida.

Her then-manager Mathew Knowles paid Roc-A-Fella for the feature as a way to assess her viability as a solo artist, since she was still a part of girl group Destiny's Child at the time.

[6] Spin writer Andrew Unterberger felt that the composition had a "squelching, slithering" production,[8] while David Browne likened it to music by a girl group in Entertainment Weekly.

[21] Clover Hope thought that while Amil's previous songs focus on scamming men to survive, "I Got That" expands her style to include boasting that she is "earning her own money, too".

[13] In the San Antonio Express-News, Anthony M. Thompson believed that this focus on female independence represents how Amil was able to give a "distinct, woman's touch" to her album.

[22] DeLuca said that Amil carries over a similar message into the album tracks "All Money Is Legal" and "Girlfriend", in which she "surveys a world where everything is for sale and a girl had best look out for herself".

[35] In 2018, Desire Thompson wrote that the single had "slipped between the cracks" because of the abundance of female rappers in the early 2000s, such as Da Brat, Eve, Lil' Kim, Missy Elliott, and Trina.

[39][40] A Billboard reviewer regarded the song as catchy and fit for radio airplay, but preferred Amil rapping about personal issues on "Smile 4 Me" and "Quarrels".