----

----

----

| ☒ | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---------|--------------------------------------------------------------------------------------|

| ☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---------|------------------------------------------------------------------------------------------|

|                                                                                                                            |   |                                                                                                                                        |
|---------------------------------------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------------------------------------------------|
| Commission File Number of issuing entity: 333-228572Central Index Key Number of issuing entity: 0001128250BA CREDIT CARD TRUST* |   | Commission File Number of issuing entity: 333-228572-02Central Index Key Number of issuing entity: 0000936988BA MASTER CREDIT CARD TRUST II |
| (Exact name of issuing entity as specified in its charter)(Issuer of the Notes)                                                 |   | (Exact name of issuing entity as specified in its charter)(Issuer of the Collateral Certificate)                                            |

----

----

| Delaware                                                                                 |   | Delaware                                                                                 |
|------------------------------------------------------------------------------------------|--------|------------------------------------------------------------------------------------------|
| (State or other jurisdiction of incorporation or organization of the issuing entity)     |   | (State or other jurisdiction of incorporation or organization of the issuing entity)     |
|                                                                                     |   |                                                                                     |
| c/o BA Credit Card Funding, LLC1020 North French StreetDE5-002-01-05Wilmington, DE 19884 |   | c/o BA Credit Card Funding, LLC1020 North French StreetDE5-002-01-05Wilmington, DE 19884 |
| (Address of principal executive officesof issuing entity)                                |   | (Address of principal executive officesof issuing entity)                                |
|                                                                                     |   |                                                                                     |
| (980) 683-4915                                                                           |   | (980) 683-4915                                                                           |
| (Telephone number, including area code)                                                  |   | (Telephone number, including area code)                                                  |
|                                                                                     |   |                                                                                     |
| N/A                                                                                      |   | N/A                                                                                      |
| (I.R.S. Employer Identification No.)                                                     |   | (I.R.S. Employer Identification No.)                                                     |
|                                                                                     |   |                                                                                     |

----

----

|   | Title of each class |   | Trading Symbol(s) |   | Name of each exchange on which registered |
|--------|---------------------|--------|-------------------|--------|-------------------------------------------|
|   | N/A                 |   | N/A               |   | N/A                                       |

| Large accelerated filer  ☐  | Accelarated Filer  ☐               |
|---------------------------------------------|-----------------------------------------------|
| Non-accelerated filer   ☒   | (Do not check if a smaller reporting company) | Smaller reporting company  ☐ |
|                                        |                                          | Emerging growth company  ☐ |

| * | In accordance with relevant regulations of the Securities and Exchange Commission (the “Commission”), the depositor files annual and other reports with the Commission in respect of BA Credit Card Trust and BA                  Master Credit Card Trust II under the Central Index Key (CIK) number (0001128250) for BA Credit Card Trust. |
|---|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| Item 1: | Business. |
|---------|-----------|

| Item 1A: | Risk Factors. |
|----------|---------------|

| Item 2: | Properties. |
|---------|-------------|

| Item 3: | Legal Proceedings. |
|---------|--------------------|

| Item 4. | Mine Safety Disclosures. |
|---------|--------------------------|

----

| Item 5: | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities. |
|---------|---------------------------------------------------------------------------------------------------------------------|

| Item 6: | Selected Financial Data. |
|---------|--------------------------|

| Item 7: | Management’s Discussion and Analysis of Financial Condition and Results of Operations. |
|---------|----------------------------------------------------------------------------------------------|

| Item 7A: | Quantitative and Qualitative Disclosures about Market Risk. |
|----------|-------------------------------------------------------------|

| Item 8: | Financial Statements and Supplementary Data. |
|---------|----------------------------------------------|

| Item 9: | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure. |
|---------|---------------------------------------------------------------------------------------|

| Item 9A: | Controls and Procedures. |
|----------|--------------------------|

----

| Item 10: | Directors, Executive Officers and Corporate Governance. |
|----------|---------------------------------------------------------|

| Item 11: | Executive Compensation. |
|----------|-------------------------|

| Item 12: | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. |
|----------|-------------------------------------------------------------------------------------------------|

| Item 13: | Certain Relationships and Related Transactions, and Director Independence. |
|----------|----------------------------------------------------------------------------|

| Item 14: | Principal Accountant Fees and Services. |
|----------|-----------------------------------------|

----

----

|   | (a)(1) | Not Applicable. |
|--------|--------|-----------------|

|   | (a)(2) | Not Applicable. |
|--------|--------|-----------------|

|   | (a)(3) | Not Applicable. |
|--------|--------|-----------------|

|   | (b) | Exhibits |
|--------|-----|----------|

| ExhibitNumber |   | Description                                                                                                                                                                                                                                                                                                                                                                                 |
|---------------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 3.1           |   | Second Amended and Restated Limited Liability Company Agreement of BA Credit Card Funding, LLC (included as Exhibit 3.1 to the registrant’s Form 8-K filed with the Securities and Exchange Commission on July 8, 2015, which is incorporated                herein by reference).                                                                                                    |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.1           |   | Fourth Amended and Restated Pooling and Servicing Agreement, dated as of December 17, 2015 (included in Exhibit 4.2 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is                incorporated herein by reference).                                                                                               |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.2           |   | First Amendment to Fourth Amended and Restated Pooling and Servicing Agreement, dated as of December 9, 2016 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 9, 2016,                which is incorporated herein by reference).                                                                              |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.3           |   | Fifth Amended and Restated Series 2001-D Supplement to Fourth Amended and Restated Pooling and Servicing Agreement relating to the Collateral Certificate, dated as of December 17, 2015 (included in Exhibit 4.3 to the registrant’s Form                8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is incorporated herein by reference). |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.4           |   | Fourth Amended and Restated Trust Agreement of the BA Credit Card Trust, dated as of October 1, 2014 (included in Exhibit 4.3 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on October 1, 2014, which is                incorporated herein by reference).                                                                                       |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.5           |   | First Amendment to Fourth Amended and Restated Trust Agreement, dated as of December 17, 2015 (included in Exhibit 4.6 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is                incorporated herein by reference).                                                                                            |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.6           |   | Fourth Amended and Restated Indenture, dated as of December 17, 2015 (included in Exhibit 4.4 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is incorporated herein by                reference).                                                                                                                     |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.7           |   | Third Amended and Restated BAseries Indenture Supplement, dated as of December 17, 2015 (included in Exhibit 4.5 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is                incorporated herein by reference).                                                                                                  |
|          |   |                                                                                                                                                                                                                                                                                                                                                                                        |
| 4.8           |   | Asset Representations Review Agreement, dated as of December 17, 2015 (included in Exhibit 4.7 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is incorporated herein by                reference).                                                                                                                    |

----

| 4.9     |   | First Amendment to Asset Representations Review Agreement, dated as of May 25, 2016 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on May 25, 2016, which is incorporated herein                by reference).   |
|---------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|    |   |                                                                                                                                                                                                                                                                                |
| 4.10    |   | Dispute Resolution Agreement, dated as of December 17, 2015 (included in Exhibit 4.8 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on December 18, 2015, which is incorporated herein by reference).                                     |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.11    |   | Second Amended and Restated Receivables Purchase Agreement (included as Exhibit 4.1 to the registrant’s Form 8-K filed with the Securities and Exchange Commission on July 8, 2015, which is incorporated herein by reference).                                               |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.12    |   | First Amendment to Second Amended and Restated Receivables Purchase Agreement (included as Exhibit 4.1 to the registrant’s Form 8-K filed with the Securities and Exchange Commission on December 18, 2015, which is incorporated herein by                reference).        |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.1  |   | Class A(2004-3) Terms Document, dated as of March 17, 2004 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on March 17, 2004, which is incorporated herein by reference).                                         |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.2  |   | Omnibus Amendment to the Class A Terms Documents, dated as of January 8, 2007 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on January 8, 2007, which is incorporated herein by                reference).      |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.3  |   | Omnibus Amendment to the Class A(2004-3) Terms Document, dated as of April 14, 2009 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on April 14, 2009, which is incorporated                herein by reference). |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.4  |   | Omnibus Addendum to the Class A(2004-3) Terms Document, dated as of March 31, 2010 (included in Exhibit 4.7 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on March 31, 2010, which is incorporated                herein by reference).  |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.5  |   | Omnibus Addendum to the Class B(2010-1) Terms Document, dated as of March 31, 2010 (included in Exhibit 4.8 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on March 31, 2010, which is incorporated                herein by reference).  |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.6  |   | Class A(2014-1) Terms Document, dated as of February 13, 2014 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on February 13, 2014, which is incorporated herein by reference).                                   |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.7  |   | Class A(2016-1) Terms Document, dated as of June 10, 2016 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on June 10, 2016, which is incorporated herein by reference).                                           |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.8  |   | Class A(2017-1) Terms Document, dated as of March 30, 2017 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on March 30, 2017, which is incorporated herein by reference).                                         |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.9  |   | Class A(2017-2) Terms Document, dated as of August 24, 2017 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on August 24, 2017, which is incorporated herein by reference).                                       |
|    |   |                                                                                                                                                                                                                                                                                |
| 4.13.10 |   | Class A(2018-1) Terms Document, dated as of February 23, 2018 (included in Exhibit 4.2 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on February 23, 2018, which is incorporated herein by reference).                                   |

----

| 4.13.11 |   | Class A(2018-2) Terms Document, dated as of May 17, 2018 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on May 17, 2018, which is incorporated herein by reference).                                                                                                                                                               |
|---------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 4.13.12 |   | Class A(2018-3) Terms Document, dated as of August 16, 2018 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on August 16, 2018, which is incorporated herein by reference).                                                                                                                                                         |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 4.13.13 |   | Class A(2019-1) Terms Document, dated as of September 13, 2019 (included in Exhibit 4.1 to the registrant’s Form 8-K, as filed with the Securities and Exchange Commission on September 13, 2019, which is incorporated herein by reference).                                                                                                                                                   |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 31.1    |   | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                                                                                                                              |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 33.1    |   | Report on Assessment of Compliance with Servicing Criteria for Bank of America, National Association and its affiliated servicing participants.                                                                                                                                                                                                                                                       |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 33.2    |   | Report on Assessment of Compliance with Servicing Criteria for The Bank of New York Mellon as of, and for the twelve months ended, December 31, 2019.                                                                                                                                                                                                                                                 |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 34.1    |   | Attestation Report of PricewaterhouseCoopers LLP on Assessment of Compliance with Servicing Criteria relating to Bank of America, National Association and its affiliated servicing participants.                                                                                                                                                                                                     |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 34.2    |   | Attestation Report of KPMG LLP on Assessment of Compliance with Servicing Criteria relating to The Bank of New York Mellon filed as Exhibit 33.2.                                                                                                                                                                                                                                                     |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 35.1    |   | Servicer Compliance Statement of Bank of America, National Association.                                                                                                                                                                                                                                                                                                                               |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 99.1    |   | Amended and Restated Defaulted Receivables Supplemental Servicing Agreement, dated as of October 1, 2014, between Bank of America, National Association and BA Credit Card Funding, LLC (included in Exhibit 4.8 to the registrant’s Form                8-K, as filed with the Securities and Exchange Commission on October 1, 2014, which is incorporated herein by reference).              |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                  |
| 99.2    |   | First Amendment to Amended and Restated Defaulted Receivables Supplemental Servicing Agreement, dated as of July 8, 2015, between Bank of America, National Association and BA Credit Card Funding, LLC (included in Exhibit 4.4 to the                registrant’s Form 8-K, as filed with the Securities and Exchange Commission on July 8, 2015, which is incorporated herein by reference). |

|   | (c) | Not Applicable. |
|--------|-----|-----------------|

| Item 16. | Form 10-K Summary. |
|----------|--------------------|

----

|        | BA Credit Card Trust       |
|--------|----------------------------|
|   |                       |   |
|   | By:                        | Bank of America, National Association,                  as Servicer |
|   |                       |   |
|   | By:                        | /s/ Joseph L. Lombardi |
|   |                       | Name: | Joseph L. Lombardi |
|   |                       | Title: | Director |
|   |                       |   |   |
|   |                       | (senior officer in charge of the servicing function) |
|   |                       |   |
|   | Date:  March 24, 2020 |

----