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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):
May 15, 1997

                      ADVANTA CREDIT CARD MASTER TRUST II
             (Exact name of Registrant as specified in its charter)

   New York                Reg. No. 333-05433                Not Required
(State or other            (Commission File                (I.R.S. Employer
 jurisdiction                   Number)                     Identification
of incorporation)                                               Number)

                           Advanta National Bank USA
                          Attention: Elizabeth H. Mai
                     Delaware Corporate Center I, Suite 120

                One Righter Parkway, Wilmington, Delaware 19803

                          (Address of Owner/Servicer)

                    (Address of principal executive offices)

               (302) 266-5600 (Telephone Number of Owner/Servicer)
                        (Registrant's Telephone Number)

                              Advanta National Bank
                                 501 Carr Road
                           Wilmington, Delaware 19809
                                 (302) 791-4400
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         Items 1-4. Inapplicable.

         Item 5. Other Events.

Information relating to the distributions to Certificateholders for the April
1997 Monthly Period of the Trust in respect of the following Floating Rate Asset
Backed Certificates: Series 1994-B, Series 1994-D, Series 1995-A, Series 1995-C,
Series 1995-D, Series 1995-F, of which Class A-1 is a Fixed Rate, Series 1995-G,
Series 1996-A, of which Class A-1 is a Fixed Rate, Series 1996-B, Series 1996-C,
Series 1996-D and Series 1996-E (the "Certificates") issued by the Registrants
and to the performance of the Trust (including collections of Principal
Receivables and Finance Charge Receivables, Principal Receivables in the Trust,
delinquent balances in Accounts, the Investor Default Amounts, the amount of
Investor Charge Offs, and the Investor Servicing Fees), together with certain
other information relating to the Certificates, is contained in the Monthly
Report for the Monthly Period provided to Certificateholders pursuant to the
Pooling and Servicing Agreement dated as of December 1, 1993 (hereinafter as
such agreement may have been or may be from time to time, supplemented, amended
or otherwise modified, the "Agreement"), between Advanta National Bank USA and
Bankers Trust Company, as trustee. Capitalized terms not otherwise defined
herein have the meanings assigned in the Agreement.


         Item 6.          Inapplicable.

         Item 7.          Financial Statements,
                          Pro Forma Financial Information and Exhibits.


1.       Monthly Reports for the April 1997 Monthly Period relating to the
         following Floating Rate Asset Backed Certificates: Series 1994-B,
         Series 1994-D, Series 1995-A, Series 1995-C, Series 1995-D, Series
         1995-F Class A-2 and Class B, Series 1995-G, Series 1996-A Class A-2
         and Class B, Series 1996-B, Series 1996-C, Series 1996-D and Series 
         1996-E and the following Fixed Rate Asset Backed Certificates: Series
         1995-F Class A-1 and Series 1996-A Class A-1 issued by the ADVANTA 
         Credit Card Master Trust II.
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                                   SIGNATURE

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 thereunto duly authorized.

                                  ADVANTA CREDIT CARD MASTER TRUST II
                   (Registrant)

                                  BY:      ADVANTA NATIONAL BANK USA

                   (Owner/Servicer)

Date: May 15, 1997                          By: /s/Michael Coco
                                               --------------------
                                           Name:   Michael Coco
                                           Title:  Vice President
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                                 EXHIBIT INDEX



                                                                                      Sequential
Exhibit                                                                              Page Number
                                                                               
1.   Monthly Reports for the April 1997 Monthly Period relating to the                    5
     Asset Backed Certificates Series 1994-B, Series 1994-D, Series 1995-A,
     Series 1995-C, Series 1995-D, Series 1995-F, Series 1995-G, Series 
     1996-A, Series 1996-B, Series 1996-C, Series 1996-D and Series 1996-E 
     issued by the ADVANTA Credit Card Master Trust II.






                                                                   April 1997  

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA

                    ---------------------------------------

                      ADVANTA CREDIT CARD MASTER TRUST II