# EDGAR Filing Document

**Accession Number:** 0001128250
**File Stem:** 0000929638-26-001145
**Filing Date:** 2026-3
**Character Count:** 79558
**Document Hash:** aa07ace4b533c6d915d56422f35b1605
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-001145.hdr.sgml**: 20260325

**ACCESSION NUMBER**: 0000929638-26-001145

**CONFORMED SUBMISSION TYPE**: 10-K

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260325

**DATE AS OF CHANGE**: 20260325

**ABS ASSET CLASS**: Credit card

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BA Credit Card Trust
- **CENTRAL INDEX KEY:** 0001128250
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 510331454
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-50316-02
- **FILM NUMBER:** 26790118

**BUSINESS ADDRESS:**
- **STREET 1:** 1000 SAMOSET DRIVE
- **STREET 2:** DE5-021-02-11
- **CITY:** NEWARK
- **STATE:** DE
- **BUSINESS PHONE:** 980-683-4915

**MAIL ADDRESS:**
- **STREET 1:** 1000 SAMOSET DRIVE
- **STREET 2:** DE5-021-02-11
- **CITY:** NEWARK
- **STATE:** DE

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MBNA CREDIT CARD MASTER NOTE TRUST
- **DATE OF NAME CHANGE:** 20001114

------

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

------

### FORM 10-K

------

&nbsp;&nbsp;&nbsp;&nbsp;<br>

#### (Mark One)
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**☒** **ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** 

#### For the fiscal year ended: December 31, 2025

#### or
**☐** **TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** 

#### For transition period ___________ to ___________

#### <br>

---

| | |
|:---|:---|
| **Commission File Number of issuing entity: 333-50316-02**<br> **Central Index Key Number of issuing entity: 0001128250**<br> **BA CREDIT CARD TRUST<sup>\*</sup>** | **Commission File Number of issuing entity: 000-20949**<br> **Central Index Key Number of issuing entity: 0000936988**<br> **BA MASTER CREDIT CARD TRUST II** |
| **(Exact name of issuing entity as specified in its charter)**<br> **(Issuer of the Notes)** | **(Exact name of issuing entity as specified in its charter)**<br> **(Issuer of the Collateral Certificate)** |

---

------

#### Commission File Number of depositor: 333-136122

#### Central Index Key Number of depositor: 0001370238

### BA CREDIT CARD FUNDING, LLC

#### (Exact name of depositor as specified in its charter)

#### Central Index Key Number of sponsor: 0001102113

### BANK OF AMERICA, NATIONAL ASSOCIATION

#### (Exact name of sponsor as specified in its charter)

------

---

| |
|:---|
| **Delaware** |
| **(State or other jurisdiction of incorporation**<br> **or organization of the issuing entity)** |
| **c/o BA Credit Card Funding, LLC**<br> **1000 Samoset Drive**<br> **DE5-021-02-11**<br> **Newark, DE 19713** |
| **(Address of principal executive offices**<br> **of issuing entity)** |
| (980) 683-4915 |
| **(Telephone number, including area code)** |
| **N/A** |
| **(I.R.S. Employer Identification No.)** |

---

------

Securities registered pursuant to Section 12(b) of the Act:

---

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

---

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☒ <br>

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐ No ☒ <br>

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 ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No <br>

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐ Accelerated filer ☐ <br> Non-accelerated filer ☒ (Do not check if a smaller reporting company)<br> Smaller reporting company ☐ <br> Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section

13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☐

[Not applicable]

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐ No ☒ <br>

Registrant has no voting or non-voting common equity outstanding held by non-affiliates.

------

 <sup>\*</sup> 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.

------

#### PART I

#### The following Items have been omitted in accordance with General Instruction J to Form 10-K:
Item 1: Business.

Item 1A: Risk Factors.

Item 1C: Cybersecurity.

Item 2: Properties.

Item 3: Legal Proceedings.

---

| | |
|:---|:---|
|  **Item 1B.** | **Unresolved Staff Comments.** |

---

Not Applicable.

---

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

---

Not Applicable.

#### Substitute information provided in accordance with General Instruction J to Form 10-K:

#### Item 1112(b) of Regulation AB. Significant Obligors of Pool Assets (Financial Information).
The primary asset of BA Credit Card Trust is the collateral certificate, Series 2001-D, representing an undivided interest in BA Master Credit Card Trust II, whose assets include the receivables arising in a portfolio of unsecured consumer revolving credit card accounts. BA Master Credit Card Trust II, therefore, may be considered a significant obligor in relation to BA Credit Card Trust. Pursuant to Instruction 2.b. to Item 1112(b) of Regulation AB, the information required by Instruction J to Form 10-K in respect of BA Master Credit Card Trust II has been disclosed in this report on Form 10-K in lieu of the information otherwise contemplated by Item 1112(b).

The pool assets held by BA Master Credit Card Trust II do not include any significant obligors.

#### Item 1114(b)(2) of Regulation AB: Credit Enhancement and Other Support, Except for Certain Derivatives Instruments (Financial Information).
Based on the standards set forth in Item 1114(b)(2) of Regulation AB, no information is required in response to this Item.

#### Item 1115(b) of Regulation AB: Certain Derivatives Instruments (Financial Information).
Based on the standards set forth in Item 1115(b) of Regulation AB, no information is required in response to this Item.

#### Item 1117 of Regulation AB: Legal Proceedings.

#### Industry Developments
Bank of America, National Association ("BANA") issues credit cards on Mastercard's and Visa's networks. Mastercard and Visa are subject to settlement obligations relating to certain litigations and continue to be subject to significant ongoing litigations, including class actions, and increased competition. These settlements and litigations are based on, among other things, claimed violations of United States federal antitrust laws, claims that currency conversion fees were wrongly applied on purchases of goods and services in foreign countries, and claims alleging that the interchange charged by Mastercard and Visa is impermissible. The costs associated with these settlements, litigations and other matters could cause Mastercard and Visa to invest less in their networks and marketing efforts and could adversely affect the interchange paid to their member banks, including BANA.

#### Litigation
In 2005, a group of merchants filed a series of putative class actions and individual actions directed at interchange fees associated with Visa and Mastercard payment card transactions. These actions, which were consolidated in the U.S. District Court for the Eastern District of New York under the caption *In re Payment Card Interchange Fee and Merchant Discount Anti-Trust Litigation* (Interchange), named Visa, Mastercard and several banks and bank holding companies, including Bank of America Corporation ("BAC"), as defendants. Plaintiffs alleged that defendants conspired to fix the level of default interchange rates and that certain rules of Visa and Mastercard were unreasonable restraints of trade. Plaintiffs sought compensatory and treble damages and injunctive relief.<br>

------

On October 19, 2012, defendants reached a settlement with respect to the putative class actions that the U.S. Court of Appeals for the Second Circuit rejected. In 2018, defendants reached a settlement with the representatives of the putative Rule 23(b)(3) damages class to contribute an additional $900 million to the approximately $5.3 billion held in escrow from the prior settlement. The District Court approved that settlement with the putative Rule 23(b)(3) damages class on December 13, 2019, but that approval was appealed. On March 15, 2023, the U.S. Court of Appeals for the Second Circuit affirmed the District Court's approval of that settlement. On March 26, 2024, Visa and Mastercard announced a settlement covering the injunctive relief component of the class action litigation, which must be approved by the District Court before it becomes final. Plaintiffs filed a motion for preliminary approval of the settlement on March 26, 2024. On June 25, 2024, the Court denied the Motion for Preliminary Approval of the injunctive relief settlement. On November 10, 2025, plaintiffs filed a Motion for Preliminary Approval of a new injunctive relief settlement.

In addition, a number of individual merchant actions continue against the defendants, including one against BAC. As a result of various loss-sharing agreements, however, BAC remains liable for a portion of any settlement or judgment in individual actions where it is not named as a defendant.

#### <br>

#### Legal Proceedings Involving The Bank of New York Mellon
In the ordinary course of business, The Bank of New York Mellon, The Bank of New York Mellon Trust Company, N.A., and BNY Mellon Trust of Delaware (collectively, "BNY Mellon") are named as a defendant in legal actions. In connection with its role as trustee of certain residential mortgage-backed securitization ("RMBS") transactions, BNY Mellon has been named as a defendant in a number of legal actions brought by RMBS investors. These lawsuits allege that the trustee had expansive duties under the governing agreements, including the duty to investigate and pursue breach of representation and warranty claims against other parties to the RMBS transactions. While it is inherently difficult to predict the eventual outcomes of pending actions, BNY Mellon denies liability and intends to defend the litigations vigorously.

The Bank of New York Mellon has provided us with the information in the paragraph above in response to the requirements of Regulation AB. Other than the above paragraph and the information concerning The Bank of New York Mellon specified in this Form 10-K under the caption *Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria* and in Exhibit 33.2 to this Form 10-K, The Bank of New York Mellon has not participated in the preparation of, and is not responsible for, any other information contained in this Form 10-K.

#### PART II

#### The following Items have been omitted in accordance with General Instruction J to Form 10-K:

#### <br>
Item 5: Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.

Item 6: [Reserved]

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 9B:**<br>| **Other Information.** |

---

None.

---

| | |
|:---|:---|
|  **Item 9C.** | **Disclosure Regarding Foreign Jurisdictions that Prevent Inspections.** |

---

Not Applicable. <br>

------

#### PART III

#### The following Items have been omitted in accordance with General Instruction J to Form 10-K:

#### <br>
Item 10: Directors, Executive Officers and Corporate Governance.

Item 11: <br> Executive Compensation.

Item 12: <br> Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.

Item 13: <br> Certain Relationships and Related Transactions, and Director Independence.

Item 14:<br> Principal Accountant Fees and Services.

#### Substitute information provided in accordance with General Instruction J to Form 10-K:

#### Item 1119 of Regulation AB: Affiliations and Certain Relationships and Related Transactions .
Information required by Item 1119 of Regulation AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119.

#### Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria.
Each of BANA, with respect to itself and its affiliated servicing participants, and The Bank of New York Mellon (each, a "Servicing Participant") has been identified by the registrant as a party participating in the servicing function with respect to the pool assets held by each of BA Master Credit Card Trust II and BA Credit Card Trust. Each Servicing Participant has completed a report on assessment of compliance with the servicing criteria applicable to such Servicing Participant (each, a "Report on Assessment"), which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation report (each, an "Attestation Report") by a registered independent public accounting firm regarding its related Report on Assessment. Each Attestation Report is attached as an exhibit to this Form 10-K. We have not independently verified the accuracy of The Bank of New York Mellon's assertions or the related attestations of its registered independent public accounting firm.

A Servicing Participant may engage one or more vendors to perform specific and limited activities that address all or a portion of one or more servicing criteria applicable to such Servicing Participant. Each Servicing Participant indicates that it has instituted policies and procedures to monitor whether its vendors' activities comply in all material respects with such servicing criteria, and has elected to take responsibility for assessing compliance with the servicing criteria applicable to its vendors' activities in such Servicing Participant's Report on Assessment.

No Report on Assessment or related Attestation Report has identified (i) any material instance of noncompliance with the servicing criteria identified in such Report on Assessment as applicable to the related Servicing Participant or (ii) any material deficiency in such Servicing Participant's policies and procedures to monitor vendor compliance.

***Platform-Level Reports**:*

Regulations of the SEC require that each servicing participant complete a report on assessment at a "platform" level, meaning that the transactions covered by the report on assessment should include all asset-backed securities transactions involving such servicing participant that are backed by the same asset type. Subsequent guidance from the SEC staff identifies additional parameters that a servicing participant may apply to define and further limit its platform. For example, a servicing participant may define its platform to include only transactions that were completed on or after January 1, 2006 (the effective date for Regulation AB) and that were registered with the SEC pursuant to the Securities Act of 1933. Each servicing participant is responsible for defining its own platform, and each platform will naturally differ based on various factors, including the servicing participant's business model, the transactions in which it is involved and the range of activities performed in those transactions.

#### Item 1123 of Regulation AB: Servicer Compliance Statement.
BANA has been identified by the registrant as a servicer meeting the criteria of Item 1108(a)(2)(i), (ii) or (iii) of Regulation AB with respect to the pool assets held by each of BA Master Credit Card Trust II and BA Credit Card Trust. BANA has provided a statement of compliance with the related servicing agreement (the "Compliance Statement"), signed by an authorized officer of BANA. The Compliance Statement is attached as an exhibit to this Form 10-K.

------

#### PART IV

---

| | |
|:---|:---|
|  **Item 15.** | **Exhibit and Financial Statement Schedules.** |

---

(a)(1) Not Applicable.

(a)(2) Not Applicable.

(a)(3) Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Exhibits

#### Exhibit Index

#### <br>

---

| | |
|:---|:---|
| **Exhibit**<br> **Number** | **Description** |
| [3.1](https://www.sec.gov/Archives/edgar/data/936988/000156761915000938/s000970x1_ex3-1.htm) | 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). |
| [3.2](https://www.sec.gov/Archives/edgar/data/936988/000114036125008578/ef20045016_ex3-2.htm) | Certificate of Formation of BA Credit Card Funding, LLC (included as Exhibit 3.2 to the registrant's Amendment No. 1 to Registration Statement on Form SF-3 filed with the Securities and Exchange Commission on March 13, 2025, which is incorporated herein by reference). |
| [4.1](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-2.htm) | Fourth Amended and Restated Pooling and Servicing Agreement, dated as of December 17, 2015 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000114036116089266/ex4_1.htm) | First Amendment to Fourth Amended and Restated Pooling and Servicing Agreement, dated as of December 9, 2016 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-3.htm) | 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 as 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](https://www.sec.gov/Archives/edgar/data/936988/000137023814000056/exhibit_4-3.htm) | Fourth Amended and Restated Trust Agreement of the BA Credit Card Trust, dated as of October 1, 2014 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-6.htm) | First Amendment to Fourth Amended and Restated Trust Agreement, dated as of December 17, 2015 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-4.htm) | Fourth Amended and Restated Indenture, dated as of December 17, 2015 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-5.htm) | Third Amended and Restated BAseries Indenture Supplement, dated as of December 17, 2015 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-7.htm) | Asset Representations Review Agreement, dated as of December 17, 2015 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761916002435/s001317x1_ex4-1.htm) | First Amendment to Asset Representations Review Agreement, dated as of May 25, 2016 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-8.htm) | Dispute Resolution Agreement, dated as of December 17, 2015 (included as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915000938/s000970x1_ex4-1.htm) | 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915001589/s001138x1_ex4-1.htm) | 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](https://www.sec.gov/Archives/edgar/data/936988/000114036122023205/brhc10038747_ex4-1.htm) | Class A(2022-1) Terms Document, dated as of June 16, 2022 (included as Exhibit 4.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on June 16, 2022, which is incorporated herein by reference). |
| [4.13.2](https://www.sec.gov/Archives/edgar/data/936988/000114036122042899/brhc10044606_ex4-1.htm) | Class A(2022-2) Terms Document, dated as of November 23, 2022 (included as Exhibit 4.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on November 23, 2022, which is incorporated herein by reference). |
| [4.13.3](https://www.sec.gov/Archives/edgar/data/1128250/000092963823001734/exhibit4_1.htm) | Class A(2023-1) Terms Document, dated as of June 16, 2023 (included as Exhibit 4.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on June 16, 2023, which is incorporated herein by reference). |
| [4.13.4](https://www.sec.gov/Archives/edgar/data/936988/000114036123057599/ef20016621_ex4-1.htm) | Class A(2023-2) Terms Document, dated as of December 14, 2023 (included as Exhibit 4.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on December 14, 2023, which is incorporated herein by reference). |
| [4.13.5](https://www.sec.gov/Archives/edgar/data/1128250/000114036124029973/ef20031089_ex4-1.htm) | Class A(2024-1) Terms Document, dated as of June 13, 2024 (included as Exhibit 4.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on June 13, 2024, which is incorporated herein by reference). |
| [4.13.6](https://www.sec.gov/Archives/edgar/data/936988/000114036125022284/ef20050553_ex4-1.htm) | Class A(2025-1) Terms Document, dated as of June 12, 2025 (included as Exhibit 4.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on June 12, 2025, which is incorporated herein by reference). |
| [31.1](exhibit31-1.htm) | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. |
| [33.1](exhibit33-1.htm) | Report on Assessment of Compliance with Servicing Criteria for Bank of America, National Association and its affiliated servicing participants. |
| [33.2](exhibit33-2.htm) | 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, 2025. |
| [34.1](exhibit34-1.htm) | 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](exhibit34-2.htm) | 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](exhibit35-1.htm) | Servicer Compliance Statement of Bank of America, National Association. |

---

------

---

| | |
|:---|:---|
| [99.1](https://www.sec.gov/Archives/edgar/data/936988/000137023814000056/exhibit_4-8.htm) | 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 as 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](https://www.sec.gov/Archives/edgar/data/936988/000156761915000938/s000970x1_ex4-4.htm) | 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 as 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). |
| [99.3](https://www.sec.gov/Archives/edgar/data/936988/000156761915000109/s000734x1_ex99-1.htm) | Delegation of Servicing Activities Agreement (included in Exhibit 99.1 to the registrant's Form 8-K, as filed with the Securities and Exchange Commission on February 12, 2015, which is incorporated herein by reference). |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Not Applicable.

---

| | |
|:---|:---|
|  **Item 16.** <br>| **Form 10-K Summary.** |

---

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, thereunto duly authorized.

---

| | | |
|:---|:---|:---|
| **BA Credit Card Trust** | **BA Credit Card Trust** | **BA Credit Card Trust** |
| By: | Bank of America, National Association,<br> as Servicer | Bank of America, National Association,<br> as Servicer |
| By: |  | /s/ Joseph L. Lombardi |
|  | Name: | &nbsp;&nbsp;&nbsp;&nbsp; Joseph L. Lombardi |
|  | Title: | &nbsp;&nbsp;&nbsp;&nbsp; Director |
|  | (senior officer in charge of the servicing function) | (senior officer in charge of the servicing function) |
| Date: March 25, 2026 | Date: March 25, 2026 | Date: March 25, 2026 |

---

------

## Exhibit 31.1

#### EXHIBIT 31.1

#### Certification
I, Joseph L. Lombardi, certify that:

1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I have reviewed this report on Form 10-K and all reports on Form 10-D required to be filed in respect of the period covered by this report on Form 10-K of BA Credit Card Trust (the "Exchange Act periodic reports");

2. Based on my knowledge, the Exchange Act periodic reports, taken as a whole, do not contain any untrue statement of a 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 with respect to the period covered by this report;

3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Based on my knowledge, all of the distribution, servicing and other information required to be provided under Form 10-D for the period covered by this report is included in the Exchange Act periodic reports;

4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I am responsible for reviewing the activities performed by the servicer and based on my knowledge and the compliance review conducted in preparing the servicer compliance statement required in this report under Item 1123 of Regulation AB, and except as disclosed in the Exchange Act periodic reports, the servicer has fulfilled its obligations under the servicing agreement in all material respects; and

5. All of the reports on assessment of compliance with servicing criteria for asset-backed securities and their related attestation reports on assessment of compliance with servicing criteria for asset-backed securities required to be included in this report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to this report, except as otherwise disclosed in this report. Any material instances of noncompliance described in such reports have been disclosed in this report on Form 10-K.

In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: The Bank of New York Mellon.

Date: March 25, 2026

By: <u>/s/ Joseph L. Lombardi</u> <br> Name: Joseph L. Lombardi<br> Title: Director

(senior officer in charge of the servicing function)

## Exhibit 33.1

------

#### EXHIBIT 33.1
![](image00001.jpg)

#### Certification Regarding Compliance with Applicable Servicing Criteria
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Bank of America, National Association (the "Asserting Party" or "BANA"), for itself and on behalf of its affiliated servicing participants, is responsible for assessing compliance as of and for the year ended December 31, 2025, with the
 servicing criteria applicable to the Asserting Party under paragraph (d) of Item 1122 of Regulation AB, as set forth in Appendix A hereto (such servicing criteria, excluding the criteria listed in the column titled "Inapplicable Servicing
 Criteria" on Appendix A hereto, the "Applicable Servicing Criteria"). The transactions covered by this report include all asset-backed securities transactions backed by credit card receivables issued by the BA Credit Card Trust on or
 before December 31, 2025, for which transactions the Asserting Party acted as servicer, that were registered with the Securities and Exchange Commission pursuant to the Securities Act of 1933, as amended, where the related asset-backed
 securities were outstanding during the period from January 1, 2025 to December 31, 2025 (the "Platform"), as listed in Appendix B hereto;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The Asserting Party has engaged two vendors (each, a "Vendor"), each of which is not considered a "servicer" as defined in Item 1101(j) of Regulation AB, to perform specific, limited or scripted activities, and the Asserting Party elects
 to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to each such Vendor's activities as set forth in Appendix A hereto. The Asserting Party has policies and procedures
 in place designed to provide reasonable assurance that each Vendor's activities comply in all material respects with the servicing criteria applicable to each Vendor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Except as set forth in paragraph 4 below, the Asserting Party used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess the compliance by the Asserting Party with the Applicable Servicing Criteria as of and for
 the year ended December 31, 2025, with respect to the Platform taken as a whole;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. The criteria listed in the column titled "Inapplicable Servicing Criteria" on Appendix A hereto are inapplicable to the Asserting Party based on the activities it performs with respect to the Platform;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Asserting Party has complied, in all material respects, with the Applicable Servicing Criteria as of and for the year ended December 31, 2025, with respect to the Platform taken as a whole;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. The Asserting Party has not identified and is not aware of any material instance of noncompliance by either Vendor with the Applicable Servicing Criteria as of and for the year ended December 31, 2025, with respect to the Platform taken
 as a whole;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. The Asserting Party has not identified any material deficiency in its policies and procedures to monitor the compliance by each Vendor with the Applicable Servicing Criteria as of and for the year ended December 31, 2025, with respect to
 the Platform taken as a whole **;** and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. PricewaterhouseCoopers LLP, an independent registered public accounting firm, has issued an attestation report for the Platform on the Asserting Party's assessment of compliance with the Applicable Servicing Criteria as of and for the
 year ended December 31, 2025.

---

| | |
|:---|:---|
| March 24, 2026 | March 24, 2026 |
| Bank of America, National Association | Bank of America, National Association |
| By: | /s/ Joseph L. Lombardi |
|  | Joseph L. Lombardi |
|  | Director |

---

------

APPENDIX A

---

| | | | |
|:---|:---|:---|:---|
| **SERVICING CRITERIA** | **SERVICING CRITERIA** | **APPLICABLE**<br> **SERVICING**<br> **CRITERIA** | **INAPPLICABLE**<br> **SERVICING**<br> **CRITERIA** |
| **Reference** | **Criteria** | **Performed**<br> **Directly**<br> **by**<br> **Asserting**<br> **Party** |  |
|  | **General Servicing Considerations** |  |  |
| 1122(d)(1)(i) | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. | **X** |  |
| 1122(d)(1)(ii) | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. | **X** |  |
| 1122(d)(1)(iii) | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained. |  | **X** |
| 1122(d)(1)(iv) | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. | **X** |  |
| 1122(d)(1)(v) | Aggregation of information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information. | **X<sup>1&2</sup>**<br> **X<sup>1&2</sup>** |  |
|  | **Cash Collection and Administration** |  |  |
| 1122(d)(2)(i) | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. | **X<sup>1&2</sup>**<br> **X<sup>1&2</sup>** |  |
| 1122(d)(2)(ii) | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. |  | **X** |
| 1122(d)(2)(iii) | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. |  | **X** |
| 1122(d)(2)(iv) | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. | **X** |  |
| 1122(d)(2)(v) | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. | **X** |  |
| 1122(d)(2)(vi) | Unissued checks are safeguarded so as to prevent unauthorized access. |  | **X** |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **SERVICING CRITERIA** | **SERVICING CRITERIA** | **APPLICABLE**<br> **SERVICING**<br> **CRITERIA** | **INAPPLICABLE**<br> **SERVICING**<br> **CRITERIA** |
| **Reference** | **Criteria** | **Performed**<br> **Directly**<br> **by**<br> **Asserting**<br> **Party** |  |
| 1122(d)(2)(vii) | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. | **X** |  |
|  | **Investor Remittances and Reporting** |  |  |
| 1122(d)(3)(i) | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced by the Servicer. | **X** |  |
| 1122(d)(3)(ii) | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. | **X** |  |
| 1122(d)(3)(iii) | Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(3)(iv) | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. |  | **X** |
|  | **Pool Asset Administration** |  |  |
| 1122(d)(4)(i) | Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. |  | **X** |
| 1122(d)(4)(ii) | Pool assets and related documents are safeguarded as required by the transaction agreements. | **X** |  |
| 1122(d)(4)(iii) | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. | **X** |  |
| 1122(d)(4)(iv) | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents. | **X<sup>2</sup>**<br> **X<sup>2</sup>** |  |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **SERVICING CRITERIA** | **SERVICING CRITERIA** | **APPLICABLE**<br> **SERVICING**<br> **CRITERIA** | **INAPPLICABLE**<br> **SERVICING**<br> **CRITERIA** |
| **Reference** | **Criteria** | **Performed**<br> **Directly**<br> **by**<br> **Asserting**<br> **Party** |  |
| 1122(d)(4)(v) | The Servicer's records regarding the pool assets agree with the Servicer's records with respect to an obligor's unpaid principal balance. | **X<sup>2</sup>**<br> **X<sup>2</sup>** |  |
| 1122(d)(4)(vi) | Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. | **X** |  |
| 1122(d)(4)(vii) | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. | **X** |  |
| 1122(d)(4)(viii) | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). | **X** |  |
| 1122(d)(4)(ix) | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. | **X** |  |
| 1122(d)(4)(x) | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool asset, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(4)(xi) | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the Servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(4)(xii) | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. |  | **X** |
| 1122(d)(4)(xiii) | Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the Servicer, or such other number of days specified in the transaction agreements. |  | **X** |
| 1122(d)(4)(xiv) | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. | **X<sup>2</sup>**<br> **X<sup>2</sup>** |  |
| 1122(d)(4)(xv) | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. | **X<sup>3</sup>** |  |

---

------

<sup>1</sup> Bank of America, National Association ("BANA") is responsible for the processing of collections received with respect to the credit card receivables held by BA Master Credit Card Trust II.

&nbsp;&nbsp;&nbsp;&nbsp;• BANA has engaged one vendor – FiServ Solutions Inc. ("Fiserv") – as an obligor payment processor. Fiserv performed specific and limited payment processing activities addressed by criterion 1122(d)(2)(i) during the twelve-month period
 ended December 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;• FiServ conveyed data relevant to the aforementioned activity – which is addressed by criterion 1122(d)(1)(v) during the twelve-month period ended December 31, 2025.

<sup>2</sup> BANA is responsible for transaction processing, clearing and settlement, and posting and billing services with respect to the credit card receivables held by BA Master Credit Card Trust II.

&nbsp;&nbsp;&nbsp;&nbsp;• BANA has engaged one vendor – Total System Services, Inc. ("TSYS") - as a technology provider for the consumer credit card processing platform/system of record. TSYS performed transaction processing, clearing and settlement, and posting
 and billing services for US Consumer Credit Cards – activities addressed by criteria 1122(d)(2)(i), 1122(d)(4)(iv), 1122(d)(4)(v), and 1122(d)(4)(xiv) during the twelve-month period ended December 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;• TSYS aggregated and conveyed data relevant to the aforementioned activities – which is addressed by criterion 1122(d)(1)(v) during the twelve-month period ended December 31, 2025.

<sup>3</sup> There were no credit enhancements or other support requiring maintenance during the twelve-month period ended December 31, 2025.

------

APPENDIX B

#### Outstanding BAseries Tranches of Notes in the Platform

---

| | | |
|:---|:---|:---|
| **Tranche of Notes** | **Date of Applicable Indenture Supplement** | **Issuance Date** |
| BAseries Class A (2022-1) | December 17, 2015 | June 16, 2022 |
| BAseries Class A (2022-2) | December 17, 2015 | November 23, 2022 |
| BAseries Class A (2023-1) | December 17, 2015 | June 16, 2023 |
| BAseries Class A (2023-2) | December 17, 2015 | December 14, 2023 |
| BAseries Class A (2024-1) | December 17, 2015 | June 13, 2024 |
| BAseries Class A (2025-1) | December 17, 2015 | June 12, 2025 |

---

## Exhibit 33.2

------

#### EXHIBIT 33.2
![](image00007.jpg)

ASSESSMENT OF COMPLIANCE WITH

APPLICABLE SERVICING CRITERIA

Management of The Bank of New York Mellon (formerly The Bank of New York), BNY Mellon Trust of Delaware (formerly BNYM (Delaware)) and The Bank of New York Mellon Trust Company, N.A. (formerly The Bank of New York Trust Company, N.A.), (collectively, the "Company") is responsible for assessing the Company's compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission. The Company's management has determined that the servicing criteria are applicable in regard to the servicing platform as of and for the period as follows:

<u>Platform</u>: Publicly-issued (i.e., transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) asset-backed securities issued on or after January 1, 2006 that are subject to Regulation AB (including transactions subject to Regulation AB by contractual obligation) for which the Company provides trustee, securities administration, paying agent or custodial services, as defined and to the extent applicable in the transaction agreements, other than residential mortgage-backed securities and other mortgage-related asset-backed securities (the "Platform").

<u>Period</u>: The twelve months ended December 31, 2025 (the "Period").

<u>Applicable Servicing Criteria</u>: All servicing criteria set forth in Item 1122(d), to the extent required by the related transaction agreements as to any transaction, except as set forth in the column titled "Not Applicable to Platform" in Appendix 1 attached hereto.

With respect to servicing criterion 1122(d)(2)(vi), the Company's management has engaged a vendor to perform the activities required by the servicing criterion. The Company's management has determined that this vendor is not considered a "servicer" as defined in Item 1101(j) of Regulation AB, and the Company's management has elected to take responsibility for assessing compliance with the servicing criterion applicable to this vendor as permitted by the SEC's *Compliance and Disclosure Interpretation 200.06, Vendors Engaged by Servicers* ("C&DI 200.06"). The Company's management has policies and procedures in place designed to provide reasonable assurance that the vendor's activities comply in all material respects with the servicing criterion applicable to the vendor. The Company's management is solely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendor and related servicing criterion.

With respect to the Platform as of and for the Period, the Company provides the following assessment of compliance in respect of the Applicable Servicing Criteria:

1. The Company's management is responsible for assessing the Company's compliance with the Applicable Servicing Criteria.

------

2. The Company's management has assessed compliance with the Applicable Servicing Criteria, including the servicing criterion for which compliance is determined based on C&DI 200.06 as described above as of and for the Period. In making this assessment, management used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.

3. With respect to servicing criterion 1122(d)(4)(i), for certain transactions in the Platform the Trustor (as such term is defined in the related transaction agreements) may direct the Trustee (as such term is defined in the related transaction agreements) to file, or cause to be filed, all filings identified by the Trustor to be necessary to maintain the effectiveness of any original filings identified by the Trustor to be necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Underlying Securities (as such term is defined in the related transaction agreements). As of and for the twelve months ended December 31, 2025, the Company was not instructed by any Trustors to perform such activities. Absent the receipt of instruction from a Trustor to perform such activities, the Company's responsibility for criterion 1122(d)(4)(i) for the Platform is solely with regard to the manner of holding trust assets and investment of trust assets in eligible investments and the Company does not have any duties as to the original UCC filing and any continuations to perfect the security interest unless instructed to do so by other parties in the transaction agreement. With respect to servicing criterion 1122(d)(4)(iii), the Company has determined that there were no activities performed during the twelve months ended December 31, 2025 with respect to the Platform, because there were no occurrences of events that would require the Company to perform such activities.

4. Based on such assessment, as of and for the Period, the Company has complied, in all material respects, with the Applicable Servicing Criteria.

KPMG LLP, an independent registered public accounting firm, has issued an attestation report with respect to the Company's compliance with the Applicable Servicing Criteria as of and for the Period.

------

---

| | | | |
|:---|:---|:---|:---|
| The Bank of New York Mellon | The Bank of New York Mellon | BNY Mellon Trust of Delaware | BNY Mellon Trust of Delaware |
| /s/ David Keys | /s/ David Keys | /s/ Melissa Adelson | /s/ Melissa Adelson |
|  | David Keys |  | Melissa Adelson |
|  | Authorized Signatory |  | Authorized Signatory |

---

---

| |
|:---|
| The Bank of New York Mellon Trust Company, N.A. |
| /s/ Kevin Weeks |

---

---

| | |
|:---|:---|
|  | Kevin Weeks |
|  | Authorized Signatory |
| Dated: February 27, 2026 | Dated: February 27, 2026 |

---

------

APPENDIX 1

---

| | | | | |
|:---|:---|:---|:---|:---|
| REG AB<br> REFERENCE | SERVICING CRITERIA | Applicable to Platform | Applicable to Platform | Not Applicable to<br> Platform |
| REG AB<br> REFERENCE | SERVICING CRITERIA | **Performed Directly**<br> **by the Company** | **Performed by**<br> **Vendor(s) for which**<br> **the Company is the**<br> **Responsible Party** | Not Applicable to<br> Platform |
|  | **General servicing considerations** |  |  |  |
| 1122(d)(1)(i) | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. | X |  |  |
| 1122(d)(1)(ii) | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. | X |  |  |
| 1122(d)(1)(iii) | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained. |  |  | X |
| 1122(d)(1)(iv) | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. |  |  | X |
| <br>1122(d)(1)(v) | Aggregation of information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information. |  |  | <br>X |
|  | **Cash collection and administration** |  |  |  |
| 1122(d)(2)(i) | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days of receipt, or such other number of days specified in the transaction agreements. | X |  |  |
| 1122(d)(2)(ii) | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. | X |  |  |
| 1122(d)(2)(iii) | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. |  |  | X |
| 1122(d)(2)(iv) | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (*e.g*., with respect to commingling of cash) as set forth in the transaction agreements. | X |  |  |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| REG AB<br> REFERENCE | SERVICING CRITERIA | Applicable to Platform | Applicable to Platform | Not Applicable to<br> Platform |
| REG AB<br> REFERENCE | SERVICING CRITERIA | **Performed Directly**<br> **by the Company** | **Performed by**<br> **Vendor(s) for which**<br> **the Company is the**<br> **Responsible Party** | Not Applicable to<br> Platform |
| 1122(d)(2)(v) | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 240.13k-1(b)(1) of this chapter. | X |  |  |
| 1122(d)(2)(vi) | Unissued checks are safeguarded so as to prevent unauthorized access. |  | X |  |
| 1122(d)(2)(vii) | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations (A) Are mathematically accurate; (B) Are prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) Are reviewed and approved by someone other than the person who prepared the reconciliation; and (D) Contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. | X |  |  |
|  | **Investor remittances and reporting** |  |  |  |
| 1122(d)(3)(i) | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) Are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) Provide information calculated in accordance with the terms specified in the transaction agreements; (C) Are filed with the Commission as required by its rules and regulations; and (D) Agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced by the servicer. | X |  |  |
| 1122(d)(3)(ii) | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. | X |  |  |
| 1122(d)(3)(iii) | Disbursements made to an investor are posted within two business days to the servicer's investor records, or such other number of days specified in the transaction agreements. | X |  |  |
| 1122(d)(3)(iv) | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. | X |  |  |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| REG AB<br> REFERENCE | SERVICING CRITERIA | Applicable to Platform | Applicable to Platform | Not Applicable to<br> Platform |
| REG AB<br> REFERENCE | SERVICING CRITERIA | **Performed Directly**<br> **by the Company** | **Performed by**<br> **Vendor(s) for which**<br> **the Company is the**<br> **Responsible Party** | Not Applicable to<br> Platform |

---

**Pool asset administration**<br>

---

| | | | |
|:---|:---|:---|:---|
| 1122(d)(4)(i) | Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. | X |  |
| 1122(d)(4)(ii) | Pool asset and related documents are safeguarded as required by the transaction agreements | X |  |
| 1122(d)(4)(iii) | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. | X <sup>1</sup> |  |
| 1122(d)(4)(iv) | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the applicable servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (*e.g.,* escrow) in accordance with the related pool asset documents. |  | X |
| 1122(d)(4)(v) | The servicer's records regarding the pool assets agree with the servicer's records with respect to an obligor's unpaid principal balance. |  | X |
| 1122(d)(4)(vi) | Changes with respect to the terms or status of an obligor's pool assets (*e.g.,* loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. |  | X |
| 1122(d)(4)(vii) | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. |  | X |
| 1122(d)(4)(viii) | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). |  | X |

---

------

<sup>1</sup> With respect to applicable servicing criterion 1122(d)(4)(iii) the Company has determined that there were no activities performed during the twelve months ended December 31, 2025 with respect to the Platform, because there were no occurrences of events that would require the Company to perform such activities.

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| REG AB<br> REFERENCE | SERVICING CRITERIA | Applicable to Platform | Applicable to Platform | Not Applicable to<br> Platform |
| REG AB<br> REFERENCE | SERVICING CRITERIA | **Performed Directly**<br> **by the Company** | **Performed by**<br> **Vendor(s) for which**<br> **the Company is the**<br> **Responsible Party** | Not Applicable to<br> Platform |
| 1122(d)(4)(ix) | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. |  |  | X |
| 1122(d)(4)(x) | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) Such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) Interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) Such funds are returned to the obligor within 30 calendar days of full repayment of the related pool asset, or such other number of days specified in the transaction agreements. |  |  | X |
| 1122(d)(4)(xi) | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  |  | X |
| 1122(d)(4)(xii) | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. |  |  | X |
| 1122(d)(4)(xiii) | Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction agreements. |  |  | X |
| 1122(d)(4)(xiv) | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. |  |  | X |
| 1122(d)(4)(xv) | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of this Regulation AB, is maintained as set forth in the transaction agreements. |  |  | X |

---

------

## Exhibit 34.1

EXHIBIT 34.1 ![](pwc.jpg) <br>

#### Report of Independent Registered Public Accounting Firm

To the Board of Directors of Bank of America, National Association

We have examined management's assertion, included in the accompanying Certification Regarding Compliance with Applicable Servicing Criteria, that Bank of America, National Association (the "Company") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for the asset-backed securities transactions backed by credit card receivables issued by the BA Credit Card Trust on or before December 31, 2025, for which transactions the Company acted as servicer, that were registered with the Securities and Exchange Commission pursuant to the Securities Act of 1933, as amended, where the related asset-backed securities were outstanding during the period from January 1, 2025 to December 31, 2025 (the "Platform"), as of December 31, 2025 and for the year then ended, excluding criteria 1122(d)(1)(iii), 1122(d)(2)(ii), 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(i), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii) and 1122(d)(4)(xiii), which the Company has determined are not applicable to the servicing activities performed by it with respect to the Platform. As described in management's assertion, for servicing criteria 1122(d)(1)(v), 1122(d)(2)(i), 1122(d)(4)(iv), 1122(d)(4)(v) and 1122(d)(4)(xiv), the Company has engaged two (2) vendors to perform the activities required by these servicing criteria. The Company has determined that these vendors are not considered "servicers" as defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by Compliance and Disclosure Interpretation 200.06 of the SEC Division of Corporation Finance's interpretations of the rules adopted under Regulation AB and the Securities Act and the Exchange Act ("Interpretation 200.06"). As permitted by Interpretation 200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendors' activities comply in all material respects with the servicing criteria applicable to each vendor. The Company is solely responsible for determining that it meets the SEC requirements to apply Interpretation 200.06 for the vendors and related criteria as described in its assertion, and we performed no procedures with respect to the Company's determination of its eligibility to use Interpretation 200.06. Appendix B to management's assertion identifies the individual asset-backed transactions and securities defined by management as constituting the Platform. Bank of America, National Association's management is responsible for its assertion and for the Company's compliance with the applicable servicing criteria. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the applicable servicing criteria based on our examination.

Our examination was conducted in accordance with the attestation standards of the Public Company Accounting Oversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants. Those standards require that we plan and perform the examination to obtain reasonable assurance about whether management's assertion about compliance with the applicable servicing criteria is fairly stated, in all material respects, and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the applicable servicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testing of selected asset-backed transactions and securities that comprise the Platform, testing of selected servicing activities related to the Platform, and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the applicable servicing criteria. Our procedures were limited to the selected transactions and servicing activities performed by the Company during the period covered by this report. Our procedures were not designed to detect noncompliance arising from errors that may have occurred prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report. We believe that our examination provides, and that the evidence we obtained is sufficient and appropriate to provide, a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the servicing criteria.

------

We are required to be independent and to meet our other ethical responsibilities in accordance with relevant ethical requirements related to the engagement.

In our opinion, management's assertion that Bank of America, National Association complied with the aforementioned applicable servicing criteria as of and for the year ended December 31, 2025 for the Platform is fairly stated, in all material respects.

#### /s/ PricewaterhouseCoopers LLP

#### PricewaterhouseCoopers LLP

#### Charlotte, North Carolina

#### March 24, 2026

#### <br>

2<br>

## Exhibit 34.2

------

#### EXHIBIT 34.2

![](image00005.jpg)

---

| |
|:---|
| KPMG LLP |
| Aon Center |
| Suite 5500 |
| 200E. Randolph Street |
| Chicago, IL 60601-6436 |

---

#### Report of Independent Registered Public Accounting Firm
The Board of Directors

The Bank of New York Mellon

BNY Mellon Trust of Delaware

The Bank of New York Mellon Trust Company, N.A.:

We have examined management of The Bank of New York Mellon's (formerly The Bank of New York), BNY Mellon Trust of Delaware's (formerly BNYM (Delaware)) and The Bank of New York Mellon Trust Company, N.A.'s (formerly The Bank of New York Trust Company, N.A.), (collectively, the Company)'s assertion, included in the accompanying Management's Assessment of Compliance with Applicable Servicing Criteria, that the Company complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for the publicly-issued (i.e., transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) asset-backed securities issued on or after January 1, 2006 that are subject to Regulation AB (including transactions subject to Regulation AB by contractual obligation) for which the Company provides trustee, securities administration, paying agent, or custodial services, as defined and to the extent applicable in the transaction agreements, other than residential mortgage-backed securities and other mortgage-related asset-backed securities (the Platform), except for servicing criteria 1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(1)(v), 1122(d)(2)(iii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(vi), 1122(d)(4)(vii), 1122(d)(4)(viii), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii), 1122(d)(4)(xiv) and 1122(d)(4)(xv), which the Company has determined are not applicable to the activities it performs with respect to the Platform (the Applicable Servicing Criteria), as of and for the twelve months ended December 31, 2025 (Management's Assertion). With respect to servicing criterion 1122(d)(4)(i), the Company has determined that for certain transactions in the Platform the Trustor (as such term is defined in the related transaction agreements) may direct the Trustee (as such term is defined in the related transaction agreements) to file, or cause to be filed, all filings identified by the Trustor to be necessary to maintain the effectiveness of any original filings identified by the Trustor to be necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Underlying Securities (as such term is defined in the related transaction agreements). Management's Assessment of Compliance with Applicable Servicing Criteria indicates that as of and for the twelve months ended December 31, 2025, the Company was not instructed by any Trustors to perform such activities. Absent the receipt of instruction from a Trustor to perform such activities, the Company's responsibility for servicing criterion 1122(d)(4)(i) for the Platform is solely with regard to the manner of holding trust assets and investment of trust assets in eligible investments and the Company does not have any duties as to the original UCC filing and any continuations to perfect the security interest unless instructed to do so by other parties in the transaction agreement. With respect to servicing criterion 1122(d)(4)(iii), the Company has determined that there were no activities performed during the twelve months ended December 31, 2025 with respect to the Platform, because there were no occurrences of events that would require the Company to perform such activities. Management is responsible for the Company's compliance with the Applicable Servicing Criteria for the Platform. Our responsibility is to express an opinion on Management's Assertion about the Company's compliance with the Applicable Servicing Criteria for the Platform based on our examination.

Our examination was conducted in accordance with the standards of the Public Company Accounting Oversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants to obtain reasonable assurance and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the Applicable Servicing Criteria for the Platform and

KPMG LLP, a Delaware limited liability partnership and a member firm of<br> the KPMG global organization of independent member firms affiliated with<br> KPMG International Limited, a private English company limited by guarantee.<br>

------

![](image00005.jpg)

performing such other procedures as we considered necessary in the circumstances. Our examination included testing selected asset-backed transactions and securities that comprise the Platform, testing selected servicing activities related to the Platform, and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the Applicable Servicing Criteria. Furthermore, our procedures were limited to the selected transactions and servicing activities performed by the Company during the period covered by this report. Our procedures were not designed to determine whether errors may have occurred either prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report for the selected transactions or any other transactions. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the Applicable Servicing Criteria for the Platform.

We are required to be independent and to meet our other ethical responsibilities in accordance with relevant ethical requirements relating to the examination engagement.

As described in management's Assessment of Compliance with Applicable Servicing Criteria, for servicing criterion 1122(d)(2)(vi), the Company has engaged a vendor to perform the activities required by this servicing criterion. The Company has determined that this vendor is not considered a "servicer" as defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criterion applicable to this vendor as permitted by the SEC's *Compliance and Disclosure Interpretation (C&DI) 200.06, Vendors Engaged by Servicers* (C&DI 200.06). As permitted by C&DI 200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendor's activities comply in all material respects with the servicing criterion applicable to the vendor. The Company is solely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendor and related servicing criterion as described in its assertion, and we performed no procedures with respect to the Company's eligibility to apply C&DI 200.06.

In our opinion, Management's Assertion that the Company complied with the aforementioned Applicable Servicing Criteria for the Platform as of and for the twelve months ended December 31, 2025 is fairly stated, in all material respects.

Our opinion on Management's Assertion does not extend to any other information that accompanies or contains our report.

/s/ KPMG LLP

Chicago, Illinois

February 27, 2026

------

## Exhibit 35.1

#### EXHIBIT 35.1

#### SERVICER COMPLIANCE STATEMENT <br> Bank of America, National Association <br> BA Credit Card Trust
The undersigned, a duly authorized officer of Bank of America, National Association (the "Bank"), as Servicer pursuant to the Fourth Amended and Restated Pooling and Servicing Agreement, dated as of December 17, 2015, as amended by the First Amendment to Fourth Amended and Restated Pooling and Servicing Agreement, dated as of December 9, 2016 (as further amended, supplemented, or otherwise modified from time to time, the "Pooling and Servicing Agreement") by and between the Bank and The Bank of New York Mellon, as trustee (the "Trustee"), as supplemented by the Fifth Amended and Restated Series 2001-D Supplement, dated as of December 17, 2015 (as amended, supplemented or otherwise modified from time to time, the "Supplement"), by and between the Bank and the Trustee, and the Fourth Amended and Restated Indenture, dated as of December 17, 2015 (as amended, supplemented, or otherwise modified from time to time, the "Indenture") by and between BA Credit Card Trust and The Bank of New York Mellon, as indenture trustee, does hereby certify that:

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

2.&nbsp;&nbsp;&nbsp;&nbsp; The undersigned is duly authorized as required pursuant to the Pooling and Servicing Agreement and the Supplement to execute and deliver this Certificate to the Trustee.

3.&nbsp;&nbsp;&nbsp;&nbsp; This Certificate is delivered pursuant to Section 3.05 of the Pooling and Servicing Agreement and Section 20 of the Supplement.

4. During the twelve-month period ended December 31, 2025 (the "Reporting Period") a review of the Servicer's activities and of its performance under the Pooling and Servicing Agreement, the Supplement and the Indenture has been made under my supervision.

5. To the best of my knowledge, based on such review, the Servicer has fulfilled all of its obligations under the Pooling and Servicing Agreement, the Supplement and the Indenture in all material respects throughout the Reporting Period.

IN WITNESS WHEREOF, the undersigned has duly executed this Certificate this 24<sup>th</sup> day of March 2026.

By: <u>/s/ Joseph L. Lombardi</u> <br> Name: Joseph L. Lombardi<br> Title: Director

<br>