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                       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) October 18, 1996


                      ADVANTA Credit Card Master Trust II
                              Advanta National Bank                
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                                                                                         
                   United States                              333-05433                            23-2804492 
 ----------------------------------------------     ------------------------                   ----------------------
 (State or Other Jurisdiction of Incorporation)     (Commission File Number)                   (IRS Employer
                                                                                               Identification Number)




                                                                                            
                               501 Carr Road
                           Wilmington, Delaware                                                   19809  
                 -----------------------------------------                                     ----------
                  (Address of Principal Executive Office)                                      (Zip Code)


Registrant's telephone number, including area code (302) 791-4400


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         (Former Name or Former Address, if Changed Since Last Report)

                          Advanta National Bank USA
            ------------------------------------------------------
            (Exact name of registrant as specified in its charter)


                                                                                         
                   United States                              333-05433                            51-000900  
 ----------------------------------------------     ------------------------                   ----------------------
 (State or Other Jurisdiction of Incorporation)     (Commission File Number)                   (IRS Employer
                                                                                               Identification Number)




                                                                                            
                        Brandywine Corporate Center
                              650 Naamans Road
                             Claymont, Delaware                                                   19703  
                  ----------------------------------------                                     ----------
                  (Address of Principal Executive Office)                                      (Zip Code)



Registrant's telephone number, including area code (302) 791-4400



- --------------------------------------------------------------------------------
         (Former Name or Former Address, if Changed Since Last Report)
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INFORMATION TO BE INCLUDED IN THE REPORT

Items 1-4.       Not Applicable

Item 5.          On October 18, 1996, the registrants made available to
                 prospective investors a series term sheet setting forth a
                 description of the collateral pool and the proposed structure
                 of $432,500,000 aggregate principal amount of Class A Floating
                 Rate Asset Backed Certificates, Series 1996-E and $27,500,000
                 aggregate principal amount of Class B Floating Rate Asset
                 Backed Certificates, Series 1996-E of ADVANTA Credit Card
                 Master Trust II.  The series term sheet is attached hereto as
                 Exhibit 99.

Item 6.          Not Applicable.

Item 7.          Exhibits.

                 The following is filed as an Exhibit to this Report under
Exhibit 99.

         Exhibit 99             Series Term Sheet dated October 18, 1996, with
                                respect to the proposed issuance of the Class A
                                Floating Rate Asset Backed Certificates, Series 
                                1996-E and the Class B Floating Rate Asset 
                                Backed Certificates, Series 1996-E of the 
                                ADVANTA Credit Card Master Trust II. 
                                
                                




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                                   SIGNATURES

                 Pursuant to the requirements of the Securities Exchange Act of
1934, the registrants have duly caused this report to be signed on their behalf
by the undersigned hereunto duly authorized.

                                           ADVANTA NATIONAL BANK
                                           
                                           By: /s/ MICHAEL COCO      
                                              -----------------------
                                              Name:   Michael Coco
                                              Title:  Vice President
                                           

Date:  October 22, 1996
                                           ADVANTA NATIONAL BANK USA


                                           
                                           By: /s/ MICHAEL COCO      
                                              -----------------------
                                              Name:   Michael Coco
                                              Title:  Vice President





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                                 EXHIBIT INDEX


Exhibit                           Description                                                 Page
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99                        Series Term Sheet dated October 18, 1996.                             5






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