<PAGE>

                      SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C.  20549

                                   FORM 8-K

                                CURRENT REPORT


                      Pursuant to Section 13 or 15(d) of
                      The Securities Exchange Act of 1934


  Date of Report (Date of earliest event reported):          February 15, 2001
                                                             -----------------

                      FIRST USA BANK, NATIONAL ASSOCIATION
                        (As Successor to BANK ONE, N.A.)
-------------------------------------------------------------------------------
            (Exact name of registrant as specified in its charter)

         (As Servicer on behalf of BANC ONE CREDIT CARD MASTER TRUST)

                                 United States
                                 -------------
                 (State or other jurisdiction of incorporation)

                     0-25636                         51-0269396
                -----------------                    ----------
            (Commission File Number)        (IRS Employer Identification
                                                       Number)


201 North Walnut Street, Wilmington, Delaware                     19801
--------------------------------------------------------------------------
(Address of principal executive offices)                        (Zip Code)


             (302) 594-4117
--------------------------------------------------------
Registrant's telephone number, including area code
<PAGE>

Item 5.   Other Events


               On February 15, 2001, the Banc One Credit Card Master Trust (the
          "Trust") made a regular monthly distribution of principal and/or
          interest to holders of the following Certificates issued by the Trust,
          each of which is included in Group One and is a Principal Sharing
          Series:


               Floating Rate Class A Asset Backed Certificates, Series 1996-A
               Floating Rate Class B Asset Backed Certificates, Series 1996-A



Item 7.   Financial Statements and Exhibits

          (c) Exhibits.

          See page 4 for Exhibit Index.
<PAGE>

                                   SIGNATURE


Pursuant to the requirements 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.


                              First USA Bank, N.A., as Servicer, on behalf of
                              BANC ONE CREDIT CARD MASTER TRUST



                              By:    /s/ Tracie H. Klein
                                    -------------------------
                              Name:  Tracie H. Klein
                              Title: First Vice President


Date:  February 15, 2001
       -----------------
<PAGE>

EXHIBIT INDEX
[CAPTION]
<TABLE>

Exhibit    Description                                                                       Page
---------  -----------                                                                       ----
<S>        <C>                                                                               <C>
99.1       Excess Spread Analysis                                                               5

99.2       The Trust Allocation Report for the monthly Period ending January 31, 2001.          6

99.3       Banc One Credit Card Master Trust - Summary Report for Series 1996-A               7-8

99.4       Monthly Servicer Certificate                                                         9
</TABLE>