UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

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

Date of Report (Date of earliest event reported)    March 30, 2026

Commission File Number of depositor:  333-284577-01
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)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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.    ☐

* In accordance with relevant regulations of the Securities and Exchange Commission, the depositor files annual and other reports with the Commission on behalf of the BA Credit Card Trust and the BA Master Credit Card Trust II under the Central Index Key (CIK) number (0001128250) for the BA Credit Card Trust.

Section 8 – Other Events

Item 8.01. Other Events.

The information contained in Exhibit 99.1 to this Report on Form 8-K relates to the credit card receivables conveyed to BA Master Credit Card Trust II and the related credit card accounts.  The information contained in Exhibit 99.1 is styled as an annex (“Annex I”), which is attached to (and forms an integral part of) prospectuses prepared from time to time in connection with the offer and sale of BAseries notes issued by BA Credit Card Trust.  References to the “prospectus” contained in Annex I are to the Prospectus relating to the BAseries Class A(2025-1) Notes, dated June 5, 2025 (the “Prospectus”), filed by BA Credit Card Funding, LLC, BA Master Credit Card Trust II and BA Credit Card Trust with the Securities and Exchange Commission under Central Index Key (CIK) Nos. 0001370238, 0000936988 and 0001128250, respectively, on June 9, 2025.  Some of the terms used in Exhibit 99.1 are used as defined in the “Glossary of Defined Terms” included in the Prospectus.

Section 9 – Financial Statements and Exhibits.

Item 9.01(d). Exhibits.

Exhibit Index

The following is filed as an Exhibit to this Report under Exhibit 99.1:

Exhibit
Number              Description

Exhibit 99.1    Annex I: The Master Trust II Portfolio.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.