SECURITIES  AND  EXCHANGE  COMMISSION
                             WASHINGTON,  D.C.  20549


                                    FORM  10-K

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

              For  the  fiscal  year  ended  December  31,  1999



                     COMMISSION  FILE  NUMBER:  333-4152

              Bank  of  America,  National  Association  (USA)
              ------------------------------------------------
       (EXACT  NAME  OF  REGISTRANT  AS  SPECIFIED  IN  ITS  CHARTER)
                  on  Behalf  of  the  BA  Master  Credit  Card  Trust

United  States                               86-0645265
---------------                              -------------
(STATE  OR OTHER JURISDICTION OF             (I.R.S. EMPLOYER  ID)
INCORPORATION)

1825  East  Buckeye  Road Phoenix,  Arizona     85034
------------------------------------------------------
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICE)     (ZIP  CODE)

REGISTRANT'S  TELEPHONE  NUMBER,  INCLUDING  AREA  CODE:    (704)  386-4103


SECURITIES  REGISTERED  PURSUANT  TO  SECTION  12(B)  OF  THE  ACT:  None

SECURITIES  REGISTERED  PURSUANT  TO  SECTION  12(G)  OF  THE  ACT:

         Class  A  Series  1996-A  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1996-A  Floating  Rate  Asset  Backed  Certificates
         Class  A  Series  1997-A  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1997-A  Floating  Rate  Asset  Backed  Certificates
         Class  A  Series  1998-A  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1998-A  Floating  Rate  Asset  Backed  Certificates
         Class  A  Series  1998-B  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1998-B  Floating  Rate  Asset  Backed  Certificates
         Class  A  Series  1999-A  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1999-A  Floating  Rate  Asset  Backed  Certificates
         Class  A  Series  1999-B  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1999-B  Floating  Rate  Asset  Backed  Certificates
         Class  A  Series  1999-C  Floating  Rate  Asset  Backed  Certificates
         Class  B  Series  1999-C  Floating  Rate  Asset  Backed  Certificates

                                (Title  of  Class)

Indicate  by  check  mark  whether  the  registrant:  (1)  has filed all reports
required  to  be filed by Section 13 or 15(d) of the Securities and Exchange Act
of  1934  during  the  preceding  12 months (or for such shorter period that the
registrant  was required to file such reports), and (2) has been subject to such
filing  requirements  for  the  past  90  days.  Yes  [X]  No  [ ]

Indicate  by  check mark if disclosure of delinquent filers pursuant to Item 405
of  regulation  s-K  is  not contained herein, and will not be contained, to the
best  of  the  registrant's  knowledge,  in  definitive  proxy  or  information
statements  incorporated  by  reference  in  Part  III  of this Form 10-K or any
amendment  to  this  Form  10-K.  [X]

<PAGE>   2

PART  I

Item  1.  Business.
          ---------
          Not  Applicable

Item  2.  Properties.
          -----------
          Not  Applicable

Item  3.  Legal  Proceedings.
          -------------------
          Not  Applicable

Item  4.  Submission  of  Matters  to  a  vote  of  Security-Holders.
          -----------------------------------------------------------
          Not  Applicable

                                     PART  II

Item  5.  Market  for  Registrant's  Common  Equity  and  Related  Stockholders
          Matters.
          ---------------------------------------------------------------------
          The  certificates  representing  investors' interests in the BA Master
          Credit  Card  Trust  are  represented  by  one  or  more  Certificates
          registered  in  the  name of Cede & Co., the nominee of the Depository
          Trust  Company.

          To  the  best  knowledge  of  the  registrant, there is no established
          public  trading  market  for  the  Certificates.

Item  6.  Selected  Financial  Data.
          --------------------------
          Not  Applicable

Item  7.  Management's  Discussion  and  Analysis  of  Financial  condition  and
          Results  of  Operations.
          ----------------------------------------------------------------------
          Not  Applicable

Item  8.  Financial  Statements  and  Supplementary  Data.
          ------------------------------------------------
          Not  Applicable

Item  9.  Changes  in  and  Disagreements  with  Accountants  on  Accounting and
          Financial  Disclosure.
          ----------------------------------------------------------------------
          Not  Applicable

Item  10.  Directors  and  Executive  Officers  of  the  Registrant.
           ---------------------------------------------------------
           Not  Applicable

Item  11.  Executive  Compensation.
           ------------------------
           Not  Applicable

Items  12.  Security  Ownership  of  Certain  Beneficial  Owners and Management.
            --------------------------------------------------------------------
       (a)  the  Certificates  of  each  Class  representing  investors'
          interests in the BA Master Credit Card Trust are represented by one or
          more Certificates registered in the name of Cede & Co., the nominee of
          the  Depository  Trust  Company  ("DTC"),  and  an investor holding an
          interest in the BA Master Credit Card Trust is not entitled to receive
          a  certificate  representing  such  interest except in certain limited
          circumstances. Accordingly, Cede & Co. is the sole holder of record of
          the  Certificates,  which  it held on behalf of brokers, dealers banks
          and  other direct participants in the DTC system at December 31, 1999.
          Such  direct participants may hold Certificates for their own accounts
          or  for  the  accounts  of  their customers. At December 31, 1999, the
          following  direct  DTC participants held positions in the Certificates
          representing  interests in the BA Master Credit Card Trust equal to or
          exceeding 5% of the total principal amount of the Certificates of each
          Class  outstanding  on  the  date:

          Participant                         Quantity             Percentage
          ---------------                     -----------       --------------
 SERIES  1996-A

       Class  A

          SSB-Custodian                    $  146,200,000            34.2%
          Trust  Custody
          225  Franklin  Street,  M4
          Boston,  MA  02110

          Bank  of  New  York                  93,225,000            21.8%
          925  Patterson  Plank  Rd.
          Secaucus,  NJ  07094

          Boston Safe Deposit and Trust Co     48,775,000            11.4%
          c/o  Mellon  Bank  N.A.
          Three  Mellon  Bank  Center,
          Room  153-3015
          Pittsburgh,  PA  15259

          Chase  Manhattan  Bank               44,570,000            10.4%
          4  New  York  Plaza
          13th  Floor
          New  York,  NY  10004

          The  Northern  Trust  Company        77,500,000             7.1%
          801  S.  Canal  C-IN
          Chicago,  IL  60607

       Class  B

          Bankers  Trust  Company              27,500,000            84.6%
          C/O  BT  Services  Tennessee  Inc.
          648  Grassmere  Park  Drive
          Nashville,  TN  37211

          BNY/ITC                               5,000,000           15.4%
          Dealers  Clearance  Special
          c/o  N.A.  Schapiro  &  Co.  In.



<PAGE>   4


The  address  of  each  above  participant  is:

                    C/O   The  Depository  Trust  Company
                          55  Water  Street
                          New  York,  NY  10041
                    (b)    Not  Applicable

                    (c)    Not  Applicable

Item  13.  Certain  Relations  and  Related  Transactions.
           -----------------------------------------------
            Not  Applicable

PART  IV

Item  14.  Exhibits,  Financial  Statements  Schedules, and Reports on Form 8-K.
           ---------------------------------------------------------------------
           (a)  The following  documents  are  filed  as  part  of  this report.

                1.    Not  Applicable

                2.    Not  Applicable

                3.    Exhibits

                      99.1  Annual  Servicer's  Certificate
                      99.2  Annual  Accountant's  Reports

          (b)  The  following  twelve  (12)  reports  on  Form  8-K were filed
               by the registrant during the period ending December  31,  1999:

                1.  Form  8-K,  dated  January  15,  1999  (Item  7)

                2.  Form  8-K,  dated  February  15,  1999  (Item  7)

                3.  Form  8-K,  dated  March  15,  1999  (Item  7)

                4.  Form  8-K,  dated  April  15,  1999  (Item  7)

                5.  Form  8-K,  dated  May  17,  1999  (Item  7)

                6.  Form  8-K,  dated  June  15,  1999  (Item  7)

                7.  Form  8-K,  dated  July  15,  1999  (Item  7)

                8.  Form  8-K,  dated  August  16,  1999  (Item  7)

                9.  Form  8-K,  dated  September  15,  1999  (Item  7)

               10.  Form  8-K,  dated  October  15,  1999  (Item  7)

               11.  Form  8-K,  dated  November  15,  1999  (Item  7)

               12.  Form  8-K,  dated  December  15,  1999  (Item  7)


                    (c)   See  Item  14(a)(3)  above

                    (d)   Not  Applicable


                                   SIGNATURES

               Pursuant  to  the  requirements  of  Section  13  or 15(d) of the
Securities  Exchange  Act of 1934, the registrant has duly caused this report to
be  signed  on  its  behalf  by  the  undersigned  hereunto  duly  authorized.

                          BANK  OF  AMERICA  NATIONAL  ASSOCIATION  (USA)
                          As  Servicer  on  Behalf  of  the
                           BA  Master  Credit  Card  Trust


                           By:  /s/  DAVID  M.  BELK
                               ----------------------------------
                               Name:    David  M.  Belk
                               Title:   Senior  Vice  President


<PAGE>   6