UNITED STATES
                       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, 2004

                      COMMISSION FILE NUMBER: 333-04152-01

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


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


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

REGISTRANT'S  TELEPHONE  NUMBER,  INCLUDING  AREA  CODE                  (704)
386-5000

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

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

          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-C  Floating  Rate  Asset  Backed  Certificates
          Class  B  Series  1999-C  Floating  Rate  Asset  Backed  Certificates
          Class  A  Series  2001-A  Floating  Rate  Asset  Backed  Certificates
          Class  B  Series  2001-A  Floating  Rate  Asset  Backed  Certificates


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].

Indicated  by  check  mark  whether  the  registrant is an accelerated filer (as
defined  in  Rule  12b-2  of  the  Act).  Yes  [  ]  No  [X].

State the aggregate market value of the voting and non-voting common equity held
by  non-affiliates computed by reference to the price at which the common equity
was  last  sold, or the average bid and asked price of such common equity, as of
the  last business day of the registrant's most recently completed second fiscal
quarter.  None.

                                Introductory Note
                                -----------------

This  Annual Report on Form 10-K is prepared in reliance on the no-action letter
dated  October  27,  1988  issued  by  the Securities and Exchange Commission to
Chemical  Bank  Credit  Card  Trust  1988-A.

                   Documents Incorporated by Reference.  None.


                                     PART  I
                                     -------

Item  1.     Business
             --------

          Not  Applicable.


Item  2.     Properties
             ----------

          Pursuant  to  the  BA  Master  Credit Card Trust Pooling and Servicing
            Agreement  dated  July  19, 1996, as amended June 5, 2001, including
the
            Series  1996-B,  the  Series  1998-B,  the  Series  1999-A,
            the  Series 1999-C and the Series 2001-A Supplements between Bank of
            America,  National  Association  (USA),  formerly  Bank  of America,
National
            Association,  as  Transferor  and  Servicer,  and U.S. Bank National
            Association,  formerly  First  Bank National Association, as Trustee
(the
            "Pooling  Agreement"),  PricewaterhouseCoopers  LLP  has  performed
certain
            procedures  in  connection  with the Monthly Servicer's Certificates
(the
            "Monthly  Certificates")  for  the  months  of  January 2004 through
December
            2004.  The  Monthly Certificates contain information relating to the
            receivables  (the  "Receivables")  and  the  accounts from which the
            Receivables  arise (the "Accounts") and are prepared by the Servicer
and
            delivered  to  the  Trustee  pursuant  to the Pooling Agreement. The
reports
            issued  by  PricewaterhouseCoopers  LLP  in  connection  with  the
servicing
            activities of the Servicer, are attached hereto as Exhibit 99.2. The
            Monthly  Certificates  containing  information  relating  to  the
Receivables
            and  the Accounts for the Due Periods ending in January 2004 through
            December  2004  are  incorporated by reference from the registrant's
Current
            Reports  on  Form  8-K.

            Pursuant to the Pooling Agreement, the Servicer has certified to the
            Trustee  as  to the performance of its obligations under the Pooling
            Agreement throughout the calendar year ended December 31, 2004. This
            certificate  is  attached  hereto  as  Exhibit  99.1.



Item  3.     Legal  Proceedings
             ------------------

          The  registrant  knows  of  no  material  pending  legal  proceedings
involving
            the BA Master Credit Card Trust, the Servicer or the Trustee (in its
            capacity  as  such), other than routine litigation incidental to its
            business.


Item  4.     Submission  of  Matters  to  a  Vote  of  Security  Holders
             -----------------------------------------------------------

            None.

                                    PART  II
                                    --------

Item  5.     Market  for  Registrant's  Common  Equity  and  Related Stockholder
             -------------------------------------------------------------------
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.  The number of direct DTC
participants shown as holding beneficial ownership interests in the certificates
is  5%  as  of  December  31,  2004.

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  7A.     Quantitative  and  Qualitative  Disclosures  About  Market  Risk
              ----------------------------------------------------------------

          Not  Applicable.


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

          Not  Applicable.


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

          None.

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

     Not  Applicable.

                                    PART  III
                                    ---------

Item  10.     Directors  and  Executive  Officers  of  the  Registrant
              --------------------------------------------------------

          Not  Applicable.


Item  11.     Executive  Compensation.
              ------------------------

          Not  Applicable.


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

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").
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,  2004. Such direct
participants may hold Certificates for their own accounts or for the accounts of
their  customers.  At  December  31, 2004, 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:



SERIES  1999-C
CLASS  A

Participant                              Quantity               Percentage
------------------------------------     ------------          -----------
State  Street  Bank  and  Trust  Company          $134,512,000          31.10%
1776  Heritage  Drive
No.  Quincy,  MA  02171
------------------------------------
The  Bank  of  New  York                    $105,000,000          24.28%
One  Wall  Street
New  York,  NY  10286
------------------------------------
JP  Morgan  Chase  Bank,  N.A.               $  85,000,000          19.65%
14201  Dallas  Pkwy
Dallas,  TX  75254

------------------------------------
Citibank,  N.A.                         $  45,000,000          10.40%
3800  Citibank  Center  B3-15
Tampa,  FL  33610
------------------------------------
Wachovia  Bank  N.A.  Phila.  Main          $  30,000,000          6.94%
530  Walnut  Street  1st  Floor
Philadelphia,  PA  19101
------------------------------------



SERIES  1999-C
CLASS  B

Participant                              Quantity               Percentage
------------------------------------     ------------          -----------
Pershing,  LLC                          $  14,000,000          50.91%
One  Pershing  Plaza
Jersey  City,  NJ  07399
------------------------------------
Citibank,  N.A.
3800  Citibank  Center  B3-15               $  8,500,000          30.91%
Tampa,  FL  33610
------------------------------------
JP  Morgan  Chase  Bank,  N.A.               $  5,000,000          18.18%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------



SERIES  2001-A
CLASS  A

Participant                              Quantity               Percentage
------------------------------------     ------------          -----------
The  Bank  of  New  York                    $171,460,000          24.64%
One  Wall  Street
New  York,  NY  10286
------------------------------------
JP  Morgan  Chase  Bank,  N.A.                 $280,250,000          40.27%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------
State  Street  Bank  and  Trust  Company          $  116,190,000          16.69%
1776  Heritage  Drive
No.  Quincy,  MA  02171
------------------------------------
Citibank,  N.A.                         $  60,425,000          8.68%
3800  Citibank  Center  B3-15
Tampa,  FL  33610
------------------------------------


SERIES  2001-A
CLASS  B

Participant                              Quantity               Percentage
------------------------------------     ------------          -----------
JP  Morgan  Chase  Bank,  N.A.               $  22,000,000          55.00%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------
Citibank,  N.A.                         $  7,000,000               17.50%
3800  Citibank  Center  B3-15
Tampa,  FL  33610
------------------------------------
Mellon  Trust  of  New  England,  N.A.          $  11,000,000          27.50%
525  William  Penn  Place
Suite  3418
Pittsburg,  PA  15259

------------------------------------

The  address  of  Cede  &  Co.  is:
Cede  &  Co.
C/O  The  Depository  Trust  Company
55  Water  Street
New  York,  NY  10041


Item  13.     Certain  Relations  and  Related  Transactions
              ----------------------------------------------

There have not been, and there are not currently proposed, to the best knowledge
of  the  registrant,  any transaction or series of transactions, to which either
the  BA  Master Credit Card Trust, the Transferor, the Servicer, or the Trustee,
on behalf of the Trust, is a party with any Certificateholder who owns of record
or  beneficially  more  than  five  percent  of  the  Certificates.



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

          Not  Applicable.


                                    PART  IV
                                    --------


Item  15.     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     Report  of  Independent  Accountants
99.3     Report  of  Management  on  Compliance  with  Pooling  and
      Servicing  Agreement


(b)     Reports  on  Form  8-K.

As  Servicer  and on behalf of the BA Master Credit Card Trust, Bank of America,
National  Association (USA) filed a Current Report on Form 8-K pursuant to Items
5  and 7 for the following monthly distribution dates during 2004, including the
Certificateholders'  Statements  for  each  due  period  provided  to  U.S. Bank
National  Association,  as  Trustee.





                           DATE OF REPORTS ON FORM 8-K
                           ---------------------------

                                January 30, 2004
                                February 26, 2004
                                 March 26, 2004
                                 April 26, 2004
                                  May 17, 2004
                                  June 14, 2004
                                  July 12, 2004
                                 August 16, 2004
                                November 17, 2004
                                November 17, 2004
                                November 15, 2004
                                December 15, 2004


(c)     See  Item  15  (a)  (3)  above.


(d)     Not  applicable.


                                    SIGNATURE

Pursuant  to  the requirements of Section 13 or 15(d) of the Securities Exchange
Act  of 1934 as amended, 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/ Elizabeth  Buie
   ---------------------
        Elizabeth  Buie
        Senior  Vice  President
        Bank  of  America,  National  Association  (USA)
        Duly  Authorized  Officer)




Date:   3/18/2005
     ------------




















































                           BA MASTER CREDIT CARD TRUST

     Certification Pursuant to Section 302 of The Sarbanes-Oxley Act of 2002
     -----------------------------------------------------------------------

I, Elizabeth Buie, a duly authorized representative of Bank of America, National
Association  (USA), formerly Bank of America National Association, certify that:

1.     I  have reviewed this annual report on Form 10-K, and all reports on Form
8-K  containing  distribution  or  servicing reports filed in respect of periods
included in the year covered by this annual report, of the BA Master Credit Card
Trust;

2.     Based  on  my  knowledge,  the  information  in these reports, taken as a
whole, does not contain any untrue statement of material fact or omit to state a
material  fact  necessary  to  make  the  statements  made,  in  light  of  the
circumstances  under  which  such statements were made, not misleading as of the
last  day  of  the  period  covered  by  this  annual  report;

3.     Based on my knowledge, the distribution of servicing information required
to  be  provided to the trustee by the servicer under the pooling and servicing,
or  similar,  agreement,  for  inclusion  in  these reports is included in these
reports;

4.     I  am  responsible for reviewing the activities performed by the servicer
under  the  pooling  and  servicing,  or  similar,  agreement  and based upon my
knowledge  and  the  annual compliance review required under that agreement, and
except  as  disclosed in the reports, the servicer has fulfilled its obligations
under  that  agreement;  and

5.     The  reports  disclose  all  significant  deficiencies  relating  to  the
servicer's compliance with the minimum servicing standards based upon the report
provided  by  an  independent  public  accountant,  after conducting a review in
compliance  with  the Uniform Single Attestation Program for Mortgage Bankers or
similar  procedure,  as  set  forth  in  the  pooling and servicing, or similar,
agreement,  that  is  included  in  these  reports.


March  18,  2005

/s/  Elizabeth  Buie
_____________________________
Elizabeth  Buie
Senior  Vice  President
Bank  of  America,  National  Association  (USA)
(Duly  Authorized  Officer)

<PAGE>

                                  EXHIBIT INDEX

Exhibit  Number          Description  of  Exhibit
--------------          ----------------------------------------------------
   99.1               Annual  Servicer's  Certificate
   99.2               Report  of  Independent  Accountants
   99.3     Report  of  Management  on  Compliance  with  Pooling  and Servicing
Agreement





















































                                                                    Exhibit 99.1

                          ANNUAL SERVICER'S CERTIFICATE

                   Bank of America, National Association (USA)

                           BA MASTER CREDIT CARD TRUST


The  undersigned,  a duly authorized representative of Bank of America, National
Association  (USA),  formerly  Bank  of  America,  National  Association,  (the
"Company"), as Servicer pursuant to the Pooling and Servicing Agreement dated as
of  July  19,  1996,  as  amended  June  5,  2001  (the  "Pooling  and Servicing
Agreement")  by  and  between the Company and U.S. Bank National Association, as
trustee  (the  "Trustee")  does  hereby  certify  that:

1.     The  Company  is  Servicer  under  the  Pooling  and Servicing Agreement.

2.     The  undersigned is duly authorized pursuant to the Pooling and Servicing
Agreement  to  execute  and  deliver  this  Certificate  to  the  Trustee.

3.     This Certificate is delivered pursuant to Section 3.05 of the Pooling and
Servicing  Agreement.

4.     A  review  of  the Activities of the Servicer for the calendar year ended
December  31,  2004  was  conducted  under  the  supervision of the undersigned.

5.     Based  on  such  review,  the  Servicer has, to the best knowledge of the
undersigned, fully performed all its obligations under the Pooling and Servicing
Agreement  throughout  such  period  and  no  default in the performance of such
obligations  has  occurred  or  is continuing except as set forth in paragraph 6
below.

6.     The  following is a description of each default in the performance of the
Servicer's  obligations  under  the  provisions  of  the  Pooling  and Servicing
Agreement,  including any Supplement, known to the undersigned to have been made
during such period which sets forth in detail: the  nature of each such default,
(ii)  the action  taken by the Servicer, if any, to remedy each such default and
(iii)  the  current  status  of  each  such  default:  None


IN WITNESS WHEREOF, the undersigned has duly executed this Certificate this 18th
day  of  March  2005.


                              By:     /s/ Elizabeth  Buie
                                      -------------------
                              Name:     Elizabeth  Buie
                              Title:    Senior  Vice  President


<PAGE>
                        REPORT OF INDEPENDENT ACCOUNTANTS


To  the  Board  of  Directors  of
Bank  of  America,  N.A.  (USA):

We  have examined management's assertion, included in the accompanying Report of
Management  on  Compliance  with  Pooling  and Servicing Agreement, that Bank of
America,  N.A.  (USA),  formerly  Bank  of  America  National  Association, (the
"Company")  maintained an effective system of internal control over servicing of
accounts  and  over safeguarding of assets against unauthorized acquisition, use
or  disposition  for  the  year  ended  December 31, 2004, in compliance with BA
Master Credit Card Trust Pooling and Servicing Agreement dated July 19, 1996, as
amended  June  5,  2001  and including the Series 1998-B, the Series 1999-A, the
Series  1999-C,  and  the  Series  2001-A  Supplements  (collectively,  the
"Agreement"),  between  the  Company,  as Transferor and Servicer, and U.S. Bank
National  Association, formerly First Bank National Association, as Trustee.  We
have  also  examined management's assertion, included in the accompanying Report
of  Management  on  Compliance  with  Pooling and Servicing Agreement, about the
Company's  compliance  with  sections  3.01(b-d,  f), 3.02, 3.04(b), 3.05, 3.08,
3.09,  4.02,  4.03,  4.05, 4.06, 4.07, 4.08, 4.09, 4.10, 4.11, 4.12, 4.13, 4.14,
4.15,  4.16, 4.17, 4.18 and 8.08 and as to section 13.05 where applicable in the
previously delineated sections and except for references from such sections to a
section  (and  references therefrom) not specifically delineated herein - of the
Agreement  (the  "Specified  Servicing  Requirements") for the period January 1,
2004  to  December 31, 2004 for the Series 1998-B, the Series 1999-A, the Series
1999-C  and  the  Series  2001-A  (collectively,  the  "Series").  The Company's
management  is  responsible  for  maintaining  an  effective  system of internal
control  over  servicing  of  accounts  and  over safeguarding of assets against
unauthorized  acquisition,  use  or disposition in compliance with the Agreement
(hereafter  referred  to  as "servicing"), and for compliance with the Specified
Servicing  Requirements.  Our  responsibility  is  to  express an opinion on the
assertions  based  on  our  examinations.

Our  examinations  were  conducted  in  accordance  with  attestation  standards
established  by  the  American  Institute  of  Certified Public Accountants and,
accordingly,  included  obtaining  an  understanding  of  the Company's internal
control  over servicing and evaluating the design and operating effectiveness of
internal  control  as  of  December  31,  2004.  Our  examinations also included
examining,  on  a  test  basis, evidence about the Company's compliance with the
Specified  Servicing Requirements for the period January 1, 2004 to December 31,
2004  for  the  Series  and  performing  such  other procedures as we considered
necessary  in  the  circumstances.  We  believe  that our examinations provide a
reasonable  basis  for  our  opinion.

Because  of  inherent  limitations in any internal control system, misstatements
due  to  error or fraud may occur and not be detected.  Also, projections of any
evaluation  of the internal control over compliance with the Specified Servicing
Requirements to future periods are subject to the risk that the internal control
may  become  inadequate  because of changes in conditions, or that the degree of
compliance  with  the  policies  and  procedures  may  deteriorate.

In our opinion, management's assertions that the Company maintained an effective
system  of  internal  control over servicing as of December 31, 2004, based upon
the  criteria  for  effective  internal  control described in Internal Control -
Integrated  Framework issued by the Committee of Sponsoring Organizations of the
Treadway  Commission  (COSO),  and  that the Company complied with the Specified
Servicing  Requirements for the period January 1, 2004 to December 31, 2004, are
fairly  stated,  in  all  material  respects  for  the  Series.

/s/  PricewaterhouseCoopers  LLP
March  18,  2004



                                                                    Exhibit 99.3

                     REPORT OF MANAGEMENT ON COMPLIANCE WITH
                          POOLING AND SERVICING AGREEMENT


March  18,  2005

The management of Bank of America, N.A. (USA), formerly Bank of America National
Association,  (the "Company") is responsible for establishing and maintaining an
effective  system  of  internal  control  over  servicing  of  accounts and over
safeguarding  of  assets against unauthorized acquisition, use or disposition in
compliance  with  BA  Master  Credit  Card Trust Pooling and Servicing Agreement
dated  July  19, 1996, as amended June 5, 2001, including the Series 1998-B, the
Series  1999-A,  the  Series  1999-C  and  the  Series  2001-A  Supplements
(collectively,  the  "Agreement"),  between  the  Company,  as  Transferor  and
Servicer,  and  U.S.  Bank  National  Association,  formerly First Bank National
Association,  as  Trustee.  The  system  contains  monitoring  mechanisms,  with
actions  taken  to  correct identified deficiencies.  Even an effective internal
control system, no matter how well designed, has inherent limitations, including
the  possibility of human error and the circumvention or overriding of controls,
and  therefore,  can  provide  only  reasonable  assurance  with  respect to the
servicing  of  accounts  and  the  safeguarding  of  assets against unauthorized
acquisition,  use  or  disposition  in  compliance with the Agreement.  Further,
because  of  changes  in  conditions,  the  effectiveness of an internal control
system  may  vary  over  time.

Management  has  assessed its internal control system over servicing of accounts
and  over safeguarding of assets in compliance with the Agreement as of December
31,  2004.  This assessment was based on criteria for effective internal control
described  in Internal Control - Integrated Framework issued by the Committee of
Sponsoring  Organizations  of  the Treadway Commission, insofar as such criteria
related  to  servicing of accounts and safeguarding of assets in compliance with
the  Agreement.  Based  on this assessment, management believes that the Company
maintained  an  effective  system of internal control over servicing of accounts
and  over  safeguarding  of  assets  against  unauthorized  acquisition,  use or
disposition  in  compliance with the Agreement as of December 31, 2004, and that
for  the  period     January  1,  2004  to  December 31, 2004 the Company was in
compliance  with  the  Agreement  in  all  material  respects.

/s/ Greg  Hobby                   /s/ Joseph  Palermo
_________________________         _________________________
Greg  Hobby                       Joseph  Palermo
Senior  Vice  President           Senior  Vice  President

/s/ Elizabeth  Buie
_________________________
Elizabeth  Buie
Senior  Vice  President