Form 10-D BA Credit Card Trust For: Apr 30

The following table sets forth the delinquency experience for cardholder payments on the credit card accounts comprising the Master Trust II Portfolio for each of the dates shown. The receivables outstanding on the accounts consist of all amounts due from cardholders as posted to the accounts as of the date shown. We cannot provide any assurance that the delinquency experience for the receivables in the future will be similar to the historical experience set forth below.

Delinquency Experience
(Dollars in Thousands)

The following table sets forth the principal charge-off experience for cardholder payments on the credit card accounts comprising the Master Trust II Portfolio for each of the periods shown. Charge-offs consist of write-offs of principal receivables. If accrued finance charge receivables that have been written off were included in total charge-offs, total charge-offs would be higher as an absolute number and as a percentage of the average of principal receivables outstanding during the periods indicated. Average principal receivables outstanding is the average of the daily principal receivables balance during the periods indicated. We cannot provide any assurance that the charge-off experience for the receivables in the future will be similar to the historical experience set forth below.

Principal Charge-Off Experience
(Dollars in Thousands, except as noted)*

Total charge-offs are total principal charge-offs before recoveries and do not include any charge-offs of finance charge receivables or the amount of any reductions in average daily principal receivables outstanding due to fraud, returned goods, customer disputes or other miscellaneous adjustments.

Net charge-offs are total charge-offs less recoveries on receivables in Defaulted Accounts, determined as described below. Each month, BANA allocates amounts recovered (net of expenses) from the U.S. credit card portfolio to the Master Trust II Portfolio by dividing the total principal charge-offs for the Master Trust II Portfolio for the related calendar month by the total
principal charge-offs for the U.S. credit card portfolio for the same calendar month. Under the master trust II agreement, recoveries allocated to the Master Trust II Portfolio and transferred to Funding under the receivables purchase agreement are treated as collections of finance charge receivables.

4.	Repurchase Demand Activity (Rule 15Ga-1)

No Activity to Report

Most Recent Form ABS – 15G

Filed by: BA Credit Card Funding, LLC

CIK#: 0001370238

Filing Date: January 20, 2021

   5. Impact of COVID-19 Pandemic and Related Cardholder Relief on the Master Trust II Portfolio

In response to the pandemic, beginning in March 2020, BANA implemented a client assistance program for its cardholders experiencing hardship from impacts of COVID-19, which includes payment deferrals for those cardholders. Under this program, interest continues to accrue and is added to the principal balance each month and, if not otherwise brought current, the delinquency status for the related accounts is reported using the payment status of each account at the time payment deferral was granted. While the vast majority of these deferrals expired in 2020, reflecting a decline in customer requests for assistance, BANA continues to evaluate, and may need to further modify, its policies and programs to continue helping its card customers through the COVID-19 pandemic but any future actions will depend on future developments, which are highly uncertain and difficult to predict. As of April 30, 2021, the portion of the Master Trust II Portfolio subject to payment deferrals under this program was de minimis.

Endnotes to Monthly Certificateholders’ Statement.

^† Current Consolidated Payment Prioritization Methodology Not Fully Comparable with Previous Payment Prioritization Methodologies


Prior to February 5, 2015, BANA utilized two payment prioritization methodologies when servicing credit card accounts -- the daily trust payment methodology and the cardholder cycle payment methodology. For more detailed information regarding these two payment prioritization methodologies, see "Endnotes to Monthly Certificateholders' Statement" in the Monthly Certificateholders' Statement relating to the Monthly Period ending February 28, 2015, included as Exhibit 99.1 to the Form 10-D filed by BA Credit Card Trust with the Securities Exchange Commission on March 16, 2015.


Effective February 5, 2015, BANA implemented a system initiative that consolidated the methodologies into a single payment prioritization methodology. As a result, performance and related metrics reported in these indicated items for the Master Trust II portfolio for the period to which this Monthly Certificateholders' Statement relates were produced by utilizing only BANA's consolidated payment prioritization methodology. Therefore, the performance and related metrics reported in these indicated items are not fully comparable to the same performance and related metrics reported for the Master Trust II Portfolio for periods ending (i) on or prior to February 4, 2015, which were produced using the daily trust payment methodology and (ii) between February 5, 2015 and February 28, 2015, which were produced using a combination of the daily trust payment methodology (for the period from February 1, 2015 through February 4, 2015) and the consolidated payment prioritization methodology (for the period from February 5, 2015 through February 28, 2015).

SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

BAseries

BA CREDIT CARD TRUST

____________________________________________

MONTHLY PERIOD ENDING April 30, 2021

____________________________________________

Reference is made to the Fifth Amended and Restated Series 2001-D Supplement (the "Series 2001-D Supplement"), dated as of December 17, 2015, among BA Credit Card Funding, LLC as Transferor, Bank of America, National Association (“BANA”), as Servicer, and The Bank of New York Mellon, as Trustee, the Fourth Amended and Restated Indenture (the “Indenture”), dated as of December 17, 2015, and the Third Amended and Restated BAseries Indenture Supplement (the "Indenture Supplement"), dated as of December 17, 2015, each between BA Credit Card Trust, as Issuer, and The Bank of New York Mellon, as Indenture Trustee. Terms used herein and not defined herein have the meanings ascribed to them in the Fifth Amended and Restated 2001-D Supplement, the Fourth Amended and Restated Indenture and the Third Amended and Restated BAseries Indenture Supplement, as applicable.

The following computations are prepared with respect to the Transfer Date of May 14, 2021 and with respect to the performance of the Trust during the related Monthly Period.

Data presented in this Schedule to Monthly Noteholders’ Statement was produced utilizing BANA’s consolidated payment

prioritization methodology.  See “Current Consolidated Payment Prioritization Methodology Not Fully Comparable with

Previous Payment Prioritization Methodologies” in the endnotes below.

Terms and abbreviations used in this report and not otherwise defined herein have the meanings set forth in the certain program documents for the BA Master Credit Card Trust II and the BA Credit Card Trust, as certain of such program documents have been amended, as applicable.  Each of these agreements and related amendments, as applicable, has been included as an exhibit to a report on Form 8-K filed by BA Credit Card Funding, LLC, the BA Master Credit Card Trust II and the BA Credit Card Trust, with the Securities and Exchange Commission ("SEC") under File Nos. 0001370238, 0000936988 and 0001128250, respectively, on October 1, 2014, July 8, 2015 or December 18, 2015.

A.

In accordance with Section 3.01 of the Third Amended and Restated BAseries Indenture Supplement dated as of December 17, 2015, between BA Credit Card Trust and The Bank of New York Mellon, BAseries Available Funds shall be applied in the priority described in the chart below. This chart is only an overview of the application and priority of payments of BAseries Available Funds. For a more detailed description, please see the Third Amended and Restated BAseries Indenture Supplement as included in Exhibit 4.5 to Registrant's Form 8-K filed with SEC on December 18, 2015.

Priority of Payments

BAseries Available Funds

C.	Interest to be paid on the corresponding Payment Date:

.

E.	Withdrawals to be made from the Class C Reserve sub-Accounts on the corresponding Transfer Date:

F.	Targeted deposits to Principal Funding sub-Accounts:

G.	Principal to be paid on the corresponding Principal Payment Date:

I.	Class A Usage of Class B and Class C Subordinated Amounts:

J.	Class B Usage of Class C Subordinated Amounts:

K.	Nominal Liquidation Amount for Tranches of Notes Outstanding:

L.	Excess Available Funds and 3 Month Excess Available Funds:

M.	Other Performance Triggers

N.    Repurchase Demand Activity (Rule 15Ga-1)

No Activity to Report

Most Recent Form ABS – 15G

Filed by: BA Credit Card Funding, LLC

CIK#: 0001370238

Filing Date: January 20, 2021

Endnotes to Schedule to Monthly Noteholders’ Statement.

^† Current Consolidated Payment Prioritization Methodology Not Fully Comparable with Previous Payment Prioritization Methodologies

Prior to February 5, 2015, BANA utilized two payment prioritization methodologies when servicing credit card accounts -- the daily trust payment methodology and the cardholder cycle payment methodology.  For more detailed information regarding these two payment prioritization methodologies, see "Endnotes to Monthly Certificateholders' Statement" in the Monthly Certificateholders' Statement relating to the Monthly Period ending February 28, 2015, included as Exhibit 99.1 to the Form 10-D filed by BA Credit Card Trust with the Securities Exchange Commission on March 16, 2015.


Effective February 5, 2015, BANA implemented a system initiative that consolidated the methodologies into a single payment prioritization methodology.  As a result, performance and related metrics reported in these indicated items for the Master Trust II portfolio for the period to which this Schedule to Monthly Noteholders' Statement relates were produced by utilizing only BANA's consolidated payment prioritization methodology.  Therefore, the performance and related metrics reported in these indicated items are not fully comparable to the same performance and related metrics reported for the Master Trust II Portfolio for periods ending (i) on or prior to February 4, 2015, which were produced using the daily trust payment methodology and (ii) between February 5, 2015 and February 28, 2015, which were produced using a combination of the daily trust payment methodology (for the period from February 1, 2015 through February 4, 2015) and the consolidated payment prioritization methodology (for the period from February 5, 2015 through February 28, 2015).

IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Monthly Noteholders' Statement this 10 th day of May, 2021.