FYI, your problem was that you were incrementing the value of d outside your if..end if clause, so it increased even if you didn't copy a row. You also don't need that Chr(64+j):
Private Sub CommandButton2_Click()
Dim i As Long, J As Long, d As Long
Dim k As String
d = 2
For i = 4 To Range("M" & Rows.Count).End(xlUp).Row
If Cells(i, 13).Value <= Sheets("Settings").Range("B2") Then
For J = 1 To 5
k = Choose(J, "A", "B", "F", "K", "M")
Sheets("Renewals").Cells(d, J).Value = Cells(i, k).Value
Next J
d = d + 1
End If
Next i
MsgBox "Report complete"
End Sub
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