#C# .NET, 114 bytes

o=>(new System.Text.RegularExpressions.Regex("1?.").Replace("AJQK2345678910","$0H,$0S,$0D,$0C,")+"J,J").Split(',')

Port of my Java answer (credit to @mazzy).

Try it online.

Interesting alternative of 119 bytes by @Corak.

using System.Linq;o=>new[]{"J","J"}.Concat(from s in"SDCH"from n in"A234567890JQK"select(n=='0'?"10":n+"")+s).ToArray()

Try it online.

If an System.Collections.Generic.IEnumerable<string> instead of string[] is an acceptable output, the trailing .ToArray() can be dropped so it becomes 109 bytes.

Explanation:

using System.Linq;       // Required import for the `from .. in ..` and `select` parts
o=>                      // Method with empty unused parameter and string-array return-type
  new[]{"J","J"}         //  Return a string-array containing two times "J"
   .Concat(              //  And add:
     from s in"SDCH"     //   Loop over the suits
       from n in"A234567890JQK"
                         //    Inner loop over the cards
         select(n=='0'?  //     If the current card item is '0'
                 "10"    //      Use 10 instead
                :        //     Else:
                 n+"")   //      Simply use the card item as is
                      +s)//     And append the suit
   .ToArray()            //  Convert the IEnumerable to an array

C# .NET, 114 bytes

o=>(new System.Text.RegularExpressions.Regex("1?.").Replace("AJQK2345678910","$0H,$0S,$0D,$0C,")+"J,J").Split(',')

Port of my Java answer (credit to @mazzy).

Try it online.

Interesting alternative of 119 bytes by @Corak.

using System.Linq;o=>new[]{"J","J"}.Concat(from s in"SDCH"from n in"A234567890JQK"select(n=='0'?"10":n+"")+s).ToArray()

Try it online.

If an System.Collections.Generic.IEnumerable<string> instead of string[] is an acceptable output, the trailing .ToArray() can be dropped so it becomes 109 bytes.

Explanation:

using System.Linq;       // Required import for the `from .. in ..` and `select` parts
o=>                      // Method with empty unused parameter and string-array return-type
  new[]{"J","J"}         //  Return a string-array containing two times "J"
   .Concat(              //  And add:
     from s in"SDCH"     //   Loop over the suits
       from n in"A234567890JQK"
                         //    Inner loop over the cards
         select(n=='0'?  //     If the current card item is '0'
                 "10"    //      Use 10 instead
                :        //     Else:
                 n+"")   //      Simply use the card item as is
                      +s)//     And append the suit
   .ToArray()            //  Convert the IEnumerable to an array