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                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549

                                   FORM 10-K
                                   ---------

[X]  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934
                  For the Fiscal Year Ended December 31, 2000

[_]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

                        Commission file number 0-25636
                            ______________________

                     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)

            Laws of the United States               51-0269396
         (State or other jurisdiction of         (I.R.S. Employer
          incorporation or organization)        Identification No.)

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

      Registrant's telephone number, including area code: (302) 594-4000

Securities registered pursuant to Section 12(b) of the Act: NONE

Securities registered pursuant to Section 12(g) of the Act:
Floating Rate Class A Asset Backed Certificates, Series 1996-A
Floating Rate Class B Asset Backed Certificates, Series 1996-A

     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 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 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.

     Not Applicable.

     State the aggregate market value of the voting stock held by non-affiliates
of the Registrant. The aggregate market value shall be computed by reference to
the price at which the stock was sold, or the average bid and asked prices of
such stock, as of a specified date within 60 days prior to the date of filing.

     Not Applicable.

     Indicate the number shares outstanding of each of the Registrant's class of
common stock, as of the latest practicable date.

     Not Applicable.

                  DOCUMENTS INCORPORATED BY REFERENCE:  NONE
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                               Introductory Note
                               -----------------

This Annual Report on Form 10-K is filed in accordance with a letter, dated May
26, 1995 issued by the Office of Chief Counsel, Division of Corporation Finance
of the Securities and Exchange Commission stating that the Division will not
object if the Registrant files reports pursuant to Sections 13 and 15(d) of the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), in the manner
described in a letter dated May 24, 1995 to the Office of Chief Counsel on
behalf of the Registrant. Accordingly, certain items have been omitted from or
modified in this Annual Report on Form 10-K.

First USA Bank, National Association (the "Bank"), a direct wholly owned
subsidiary of BANK ONE CORPORATION ("BANK ONE"), is the Seller and the Servicer
under the Pooling and Servicing Agreement (the "Agreement") dated as of November
1, 1994 between the Bank, as Seller and Servicer, and Bankers Trust Company, as
Trustee (the "Trustee"), relating to the Banc One Credit Card Master Trust (the
"Trust") and the supplements for all Series of Investor Certificates issued
thereunder.

In addition to the Certificates listed on page 1, the Banc One Credit Card
Master Trust has issued the following interests in the Trust:

 .  Asset Backed Certificates, Series 1997-1, issued pursuant to the Agreement
   and the Series 1997-1 Supplement dated as of September 23, 1997.

 .  Asset Backed Certificates, Series 1997-2, issued pursuant to the Agreement
   and the Series 1997-2 Supplement dated as of December 17, 1997.

The final payment with respect to Series 1995-A Asset Backed Certificates and
Series 1995-B Asset Backed Certificates issued by the Banc One Credit Card
Master Trust was made on July 17, 2000 and October 16, 2000, respectively, and
therefore, information with respect to such certificates is not included in this
report.

                                    PART I

ITEM 1.   BUSINESS

Omitted.

ITEM 2.   PROPERTIES

The property of the Trust consists solely of credit card receivables.
Information about such property is contained in the Annual Servicer's
Certificate filed as Exhibit 99.1 hereto. Information relating to the
performance of the Trust for the year ended December 31, 2000 is contained in
the Annual Statement prepared by the Servicer and filed as Exhibit 99.3 hereto.

ITEM 3.   LEGAL PROCEEDINGS

There are no material pending legal proceedings with respect to the Trust,
involving the Trust, the Trustee or the Registrant. The Bank is a defendant in
various lawsuits, including lawsuits seeking class action certification in both
state and federal courts. These lawsuits challenge certain policies and
practices of the Bank's credit card business. A few of these lawsuits have been
conditionally certified as class actions to permit settlement of the claims. The
Bank has defended itself against claims in the past and intends to continue to
do so in the future. While it is impossible to predict the outcome of any of
these lawsuits, the Bank believes that any liability which might result from
these lawsuits will not have a material adverse effect on the Trust.

                                       2
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ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

No matters were submitted to Certificateholders for a vote during the fiscal
year covered by this Annual Report.

                                    PART II

ITEM 5.   MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

The Certificates representing investor's interests (the "Investor Certificates")
are held and delivered in book-entry form through the facilities of the
Depository Trust Company ("DTC"), a "clearing agency" registered pursuant to the
provisions of Section 17A of the Securities Exchange Act of 1934, as amended.
The Investor Certificates are held by Cede & Co., the nominee of DTC.

The records of DTC indicate that, at December 31, 2000, there were: (i) twenty
(20) DTC Participants holding a position in the Floating Rate Class A Asset
Backed Certificates, Series 1996-A and (ii) one (1) DTC Participant holding a
position in the Floating Rate Class B Asset Backed Certificates, Series 1996-A.
At December 31, 2000, the Bank, owned 100% of the Seller Certificate, which
represents beneficial ownership of residual interest in the assets of the Trust.
There is no established public market in which the Certificates are traded.

ITEM 6.   SELECTED FINANCIAL DATA

Omitted.

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

Information regarding the property of the Trust and the activities of the
Servicer during the year ended December 31, 2000 is contained in (i) the Annual
Servicer's Certificate filed as Exhibit 99.1 hereto and (ii) the Independent
Accountants' Report of Arthur Andersen LLP on Management's Assertions filed as
Exhibit 99.2 hereto.  Information relating to the performance of the Trust for
the period ending December 31, 2000 is contained in the Annual Statement
prepared by the Servicer and filed as Exhibit 99.3 hereto.

ITEM 9.   CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
          FINANCIAL DISCLOSURE

None.

                                       3
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                                   PART III

ITEM 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

Omitted.

ITEM 11.  EXECUTIVE COMPENSATION

Omitted.

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

At December 31, 2000, (i) the Seller Certificate was registered in the name of
First USA Bank, National Association and (ii) all of the Investor Certificates
were registered in the name of Cede & Co., as nominee for DTC. The records of
DTC indicate that the DTC Participants listed below were holders of record of
more than five percent of any class of Investor Certificates at December 31,
2000.

<TABLE>
<CAPTION>
                                                                    (3) Amount and
                               (2) Name and Address of            Nature of Beneficial    (4) Percent
  (1) Title of Class               Beneficial Owners               Ownership $(000's)       of Class
--------------------               -----------------               ------------------       --------
<S>                           <C>                                  <C>                     <C>

Floating Rate Class A        Bankers Trust Company                       $47,005             10.11%
Asset Backed                 648 Grassmere Park Road
Certificates, Series         Nashville, TN  37211
1996-A

                             Chase Manhattan Bank                       $189,100             40.67%
                             4 New York Plaza
                             13th Floor
                             New York, NY  10004

                             Fuji Bank & Trust Company (The)             $25,000              5.38%
                             2 World Trade Center
                             81st Floor
                             New York, NY 10048

                             Harris Trust & Savings Bank                 $50,000             10.75%
                             Proxy Operations
                             111 West Monroe Street
                             Chicago, IL 60603

                             State Street Bank and Trust                 $52,140             11.21%
                             Company
                             1776 Heritage Dr.
                             Global Corporate Action Unit JAB
                             5NW
                             No. Quincy, MA  02171
</TABLE>

                                       4
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<TABLE>
<S>                     <C>                                                    <C>                    <C>
                        U.S. Bank National Association                          $23,610                5.08%
                        MPFP 1603 Proxy Unit
                        601 Second Avenue South
                        Minneapolis, MN  55402

Floating Rate Class B   Swiss American Securities, Inc                          $35,000              100.00%
Asset Backed            100 Wall Street
Certificates, Series    New York, NY 10005
1996-A
</TABLE>

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.

                                    PART IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

(a)      Exhibits.   The following documents are filed as part of this Annual
         Report on Form 10-K.
         (i)         Not applicable.
         (ii)        Not applicable.
         (iii)       Exhibits


                     Exhibit Number     Description
                     --------------     -----------
                     99.1               Annual Servicer's Certificate
                     99.2               Independent Accountants' Report of
                                        Arthur Andersen LLP on Management's
                                        Assertions
                     99.3               Annual Statement prepared by Servicer

(b)      Reports on Form 8-K

         (i)         Reports on Form 8-K, containing the monthly statements
                     and other information reflecting the Trust's activities.

                     Dated:                     Items Reported:
                     -----                      ---------------
                     February 15, 2000          5 and 7
                     March 15, 2000             5 and 7
                     April 17, 2000             5 and 7
                     May 15, 2000               5 and 7
                     June 12, 2000              5 and 7
                     July 17, 2000              5 and 7
                     August 15, 2000            5 and 7
                     September 15, 2000         5 and 7
                     October 16, 2000           5 and 7
                     November 15, 2000          5 and 7
                     December 15, 2000          5 and 7
                     January 16, 2001           5 and 7

(c)      See item 14(a)(iii) above.

(d)      Not applicable.

                                       5
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                                   SIGNATURE

     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, thereunto duly authorized.

                         FIRST USA BANK, NATIONAL ASSOCIATION, 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:  March 23, 2001
       --------------

                                       6
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                               INDEX OF EXHIBITS

<TABLE>
<CAPTION>
Exhibit Number    Exhibit Description                                 Page
--------------    -------------------                                 ----
<S>               <C>                                                <C>
99.1              Annual Servicer's Certificate                          8

99.2              Independent Accountants' Report of                  9-10
                  Arthur Andersen LLP on Management's Assertions

99.3              Annual Statement Prepared by Servicer                 11
</TABLE>

                                       7