Grace, Faith, and Works

Crucifixion, by Cavallini

Real Audio Lessons on this Topic

Justification by Faith Alone? I
Justification by Faith Alone? II
Justification by Faith Alone? III
Justification by Faith Alone? IV
What it means to be born again
Are you saved?

The Catholic position on salvation can be summed up thus: We are saved by Christ's grace alone, through faith and works done in charity inspired by the Holy Spirit.

Sola gratia! Grace alone -- but a grace we have to co-operate with. Thinking that all one has to do is pray the "Sinner's Prayer" once to be saved is wrong. Thinking that all one has to do is be a "good person" to be saved is wrong.

"We are saved by 'Faith alone'": No!

It takes more than simply knowing Jesus is the Messiah to be saved; even the Evil One knows Who Christ is.

James 2:14-26
What doth it profit, my brethren, though a man say he hath faith, and have not works? can faith save him? If a brother or sister be naked, and destitute of daily food, And one of you say unto them, Depart in peace, be ye warmed and filled; notwithstanding ye give them not those things which are needful to the body; what doth it profit? Even so faith, if it hath not works, is dead, being alone. Yea, a man may say, Thou hast faith, and I have works: shew me thy faith without thy works, and I will shew thee my faith by my works. Thou believest that there is one God; thou doest well: the devils also believe, and tremble. But wilt thou know, O vain man, that faith without works is dead? Was not Abraham our father justified by works, when he had offered Isaac his son upon the altar? Seest thou how faith wrought with his works, and by works was faith made perfect? And the scripture was fulfilled which saith, Abraham believed God, and it was imputed unto him for righteousness: and he was called the Friend of God. Ye see then how that by works a man is justified, and not by faith only. Likewise also was not Rahab the harlot justified by works, when she had received the messengers, and had sent them out another way? For as the body without the spirit is dead, so faith without works is dead also.

The Bible and the Catholic Church don't separate the "works of faith," preceded and caused by grace, from salvation (see relevant Scripture below) You can have all the faith in the world, enough to move mountains, but if you don't have charity, you are nothing:

I Corinthians 13:2 2
If I have the gift of prophecy and can fathom all mysteries and all knowledge, and if I have a faith that can move mountains, but have not love, I am nothing.

"We can work our way into Heaven": No!

Catholic teaching for 2,000 years:
we are saved by grace alone, through faith that works in love

Ephesians 2:8-9
For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: Not of works, lest any man should boast.

James 2:24
Ye see then how that by works a man is justified, and not by faith only.

The Catholic Church and Her Bible condemn the idea that one can work his way to Heaven on his own merit or that God "owes" a person for doing the right things.

All our works get their merit only from Jesus' sacrifice on our behalf. We can do "works" 24 hours a day, 7 days a week, 365 days a year for the rest of our lives, but without Christ's grace, they are nothing. Works have no merit in themselves -- and faith without works is not enough. We are saved by grace alone -- a grace that we accept neither "by faith alone" nor "by works alone," but "by faith that works in charity" (Galatians 5:6).

Something I came across on the Internet demonstrates the obvious importance of works. Below is a (albeit rather smart-alecky) joke letter to a pastor who preaches "faith alone":

I am a former Catholic who was recently saved through the Grace of Jesus Christ. All my life I knew I was a homosexual. The Catholic Church told me that I had to refrain from what I was in order to be saved! I never knew that my good works meant nothing! To think, I would have spent my entire life struggling not to engage in homosexual activity, just to wind up in Hell! I now realize that Salvation is through the finished work of Christ ALONE, and not from good works. I am now living as an active homosexual in the freedom of Jesus Christ!

The pastor, almost completely misunderstanding Catholicism but who has an entire ministry devoted to "saving Catholics", responded in part by saying:

It is true that a person is not saved by his works and that salvation is completely of grace. However that does not mean that works have nothing to do with salvation.

Well, "pastor," that's what Catholics have been saying all along!

The bottom line: all salvation comes from the grace of Christ's Sacrifice and only from the grace of His Sacrifice. Salvation is a free gift -- a gift that is not "owed" to us, that God didn't have to offer us, and that we could never "earn" on our own -- that we accept by faith and works. Christ doesn't have to give us this gift of salvation; we don't "deserve" this gift, we can't "earn" it; but He, in His endless Love for us, offers it nonetheless. We have to believe this gift exists (have faith) and then open our hands to receive it (obey, inspired by the grace given to us).

An analogy: there is a train called "Grace" that is the one and only route to Heaven and which is fueled by Christ's Passion, Resurrection, and Ascension alone. Some Protestants seem to believe that all one has to do is believe the train exists and all will be well. They accuse Catholics of thinking that belief in the train is unecessary, that we can give out free soup in the train station and, thereby, bypass the train altogether. But what Catholics actually believe is that the train -- Grace -- is the only way to Heaven, that it is the only means by which we are saved, that we can't take another route and can do nothing about getting to Heaven without that train. But we also teach that we have to believe in the train's existence and board it through repentance and obedience to what Christ teaches. God is the Conductor of the train, completely Sovereign, and can go off the tracks if need be to pick up those who are truly and invincibly ignorant of the train's existence but who are of good will, obey the natural law, and whom He deigns to save. If, when, and how He might do such a thing is completely up to Him and not for us to bicker about. It is to us to do what He has taught us: to believe, repent, love God and neighbor, and preach the Gospel.

Born Again?

Many non-Catholics, in their confused zeal for Jesus, are constantly asking Catholics if we are "born again," admonishing us that unless we are "born again" we cannot be saved. But you see, Catholics, like St. John the Evangelist in the third chapter of his Gospel, relate the phrase "born again" to the results of Baptism. Baptism is how we enter into the New Covenant, in the same way the Hebrews and Israelites entered the Old Covenant through circumcision (which, you'll note, was done to infants).

When many Protestants use the phrase "born again," they seem to be referring to an "emotional experience." They often expect instant transformation (which can certainly happen), speaking in tongues, miracles, etc. as some sort of "proof" of having been "born again."

Traditional Catholics most certainly agree that repentance (what we call "metanoia") is necessary and that inner transformation (what we call "theosis" or "sanctification") is the goal, but we are very conscious of not confusing "feelings" with "faith." These are two different things, and mere "feelings" can lie: ask anyone who's ever been "love-bombed" in a cult, experienced cocaine or Ecstasy, been to a Woodstock-like music festival, or is just having a really excellent day. Oceanic "feelings of oneness" and "happiness" can be had in pagan religions (read about Greek and Roman "bachanalias" sometime), through natural or artificial chemicals, through the feeling of "falling in love," through hypnosis, through highly sensual experiences, and other things that have nothing to do, inherently, with Christ. The ancient Greeks babbled in tongues, and glossolalia can is still practiced today among Voudun ("Voodoo") cults, during Japanese seances, and by other false religions and in other cultures all over the world. These sorts of experiences must be discerned, and the spirits must be tested! Remember what Christ said would happen even back in the first century:

Matthew 24:24
For there shall arise false Christs, and false prophets, and shall shew great signs and wonders; insomuch that, if it were possible, they shall deceive the very elect.

It is important to test the spirits and not devalue reason and doctrine! Know that the fruits of the Spirit are love, joy, peace, longsuffering, gentleness, goodness, faith, meekness, and temperance according to Galatians 5:22-23. The fruits of the Spirit are not out of control shaking, screaming, running around, falling down, "holy laughter," vocalizations that don't edify the Church, a "feeling" that doctrine and religion are now unimportant, etc. One should be more in control of one's self after an encounter with the Holy Spirit, not less.

St. Teresa being filled with the Holy Spirit (by Gian Lorenzo Bernini, 17th c.). Catholics would call this experience "being in ecstasy" or "having a mystical encounter."

As to "personal relationship with Jesus, " think of the great Saints -- everyone from Thérèse de Lisieux to St. Francis -- are these people not "born again" in the Protestant sense of "having a deep relationship with Christ" while still remaining 100% believers in traditional Catholic doctrine? Read about the life of St. Patrick and then talk to me about a "personal relationship" with Jesus that some Protestants think Catholics just don't understand.

What of our holy martyrs like Maximilian Kolbe or Nikolaus Gross, murdered by Nazis because of the virtue compelled by their Catholic faith? What about Joan of Arc, martyred for her refusal to deny the divine origins of the voices that led her to defeat the English? If you want "personal relationship with Jesus," read the writings of St. Teresa of Avila or St. John of the Cross!

Have you been saved?

Another question Catholics often hear is, "Have you been saved?" Catholics, though, don't see eternal salvation as a one-time event that one can pinpoint and relate to others by saying, for example, "I was saved at 5:30 pm on 23 October 1988 when I got on my knees and accepted Jesus Christ as my Lord and Savior." We think of salvation, ultimately, as a process that is begun with faith and Baptism (or just Baptism in the case of infants) and is then "worked out" (Phillipians 2:12) as we endeavor to "put on Christ." Additionally, we don't see salvation as something that can't be lost (2 Peter 2:20-21). Even St. Paul himself, the one who did more than anyone else to spread the Gospel, wasn't sure of his own salvation. He wrote in 1 Corinthians 9:27

But I keep under my body, and bring it into subjection: lest that by any means, when I have preached to others, I myself should be a castaway.

Who are we to be more "sure of our salvation" than the Apostle Paul?

Most Catholics, of course, are able to speak of specific events such as the first time they truly "got it" that Jesus is Lord or that the Church and its Scriptures are true; many are able to tell specific stories of experiences of the Holy Spirit. Many have wonderful stories of healings, consolation, and miracles. But to speak of "having been saved," in the past tense, is something we tend not to do unless we are speaking about our Baptism, at which time we were first justified. We speak, instead, of "being saved," in the present tense, as we obey Him after Baptism and endeavor to keep accepting the gift of salvation which we could never earn on our own.

Many Protestants tend to see salvation in legal terms: "I believe, therefore, I am saved because that is God's promise to me. As long as I believe, I can't lose my salvation because the terms of the contract are that I simply believe and I will be saved." Catholics see salvation more in terms of kinship, our adoption into God's very family, our becoming, literally, true children of God and inheriting Christ's sonship through Jesus' sacrifice. We see "working out our salvation" as those things we, inspired by the Holy Spirit, are called to do as children of God, in the same way that a child honors an earthly parent -- and we see God's gift of eternal salvation to us as an inheritance from our Father rather than a "pay-off" for having fulfilled a "contract" by a simple assertion of faith. And as a father can "disinherit" a child if that child no longer treats him as father and freely walks away from his inheritance, so our Father in Heaven can "disinherit" those who don't treat Him as Father (Romans 11:22; Galatians 5:4; Hebrews 6:4-6; 2 Peter 3:17-18). For more in-depth information, read the transcript of this debate on "justification" between Scott Hahn, Catholic and former Presbyterian minister, and Dr. Robert Knudson of Westminster Seminary.

To sum up

So, here's how a Catholic would answer the standard questions from Protestants:

Q.	Have you been "born again"?
A.	Yes, when we are baptized, we are "born again of water and Spirit" (John 3).
Q.	Do you have a personal relationship with Jesus?
A.	Some Catholics are good Catholics and have a deep personal relationship with Jesus by trusting in Him and receiving His Sacraments. Other Catholics are mere "cultural Catholics" who call themselves "Catholic" because they were baptized once, but don't believe what Christ's Church teaches or don't have the will to practice what His Church commands. Such Catholics are "dead members" of the Church and must be restored by faith and the Sacraments. Instead of the "Sinner's Prayer," each year at the Easter Vigil, Catholics renew their Baptismal promises by rejecting Satan and all of his works, and by affirming their faith in God the Father, in Jesus Christ His only Son our Lord, and in the Holy Ghost. Yes, a Catholic could go through the Vigil by rote and not mean it, just as a person can say the "Sinner's Prayer" and not mean it. Christ is the Judge of men's souls, however, and He knows who truly has faith.
Q.	Have you been "saved"?
A.	Those Catholics who have faith and obey the will of the Father are being saved, by the grace of Christ alone. Catholics who don't have faith and don't obey the will of the Father will not be saved unless they repent and begin to have faith and keep the commandments.
Q.	If you were to die tonight, do you know for an absolute certainty that you would go to Heaven?
A.	No more than St. Paul did when he wrote to the people of Corinth. But we do have the assuredness of knowing that God keeps His promises, that He is good and merciful and just, and that He so loved the world that He sent His only-begotten Son so we might not perish but have everlasting life if we believe, repent, obey, and trust in Jesus.
Q.	By what means are we saved?
A.	By the grace of Christ Whose Blood was poured out for us at Calvary. This Sacrifice is the only means of salvation; by Christ and Christ alone may a man be saved. There is no other way to the Father.
Q.	Why was His Sacrifice necessary? Why did He have to die?
A.	God is infinite Justice and Perfection. Because He is infinite, our sins offend Him infinitely. There is such a chasm between God in His vast perfection and us in our creaturely weakness that nothing we could do could possibly assuage Him for our offenses. But as much as we deserve death, He loves us still and wants us with Him for eternity. In order to restore His honor and maintain the perfection of His justice, there had to be an infinite Sacrifce of appeasement. So, God Himself took on flesh by the Holy Ghost and the Virgin Mary and became man, not only to teach us with His words, but to save us with His Blood. Only God Himself could save us from the effects of our offending Him because we are so imperfect and weak.
Q.	What must we do to accept the fruits of this Sacrifice and be saved?
A.	In three words, "Believe, repent, and obey." We must: · believe and trust in Christ (John 3:16); · repent and be baptized in the Name of the Father, Son, and Holy Ghost for the remission of sins (Matthew 28:19, John 3:3-5, Acts 2:38); · obey the will of the Father and keep the commandments (Matthew 7:21, Matthew 19:16-19); · eat the Body of Christ (John 6:51-69) -- but not unworthily, and only after discerning the Lord's Body lest we eat damnation onto ourselves (I Corinthians 11:23-30); · judge ourselves (1 Corinthians 11:28-31) and, when we fall, confess our sins to those to whom Christ has given the authority to forgive sins in His Name, and to obey that authority when it comes to what is bound and loosed (Matthew 9:5-8, Matthew 18:18, John 20:21-23, 2 Corinthians 5:18); · love God with all our heart, soul, mind, and strength, and love our neighbors as ourselves (Mark 12:30-31).

Relevant Scripture

1 Samuel 2:30
Wherefore the LORD God of Israel saith, I said indeed that thy house, and the house of thy father, should walk before me for ever: but now the LORD saith, Be it far from me; for them that honour me I will honour, and they that despise me shall be lightly esteemed.

Matthew 7:21
Not every one who says to me, "Lord, Lord," shall enter the kingdom of heaven, but he who does the will of my Father who is in heaven.

Matthew 10:22
And ye shall be hated of all men for my name's sake: but he that endureth to the end shall be saved.

Matthew 19:16-19
And, behold, one came and said unto him, Good Master, what good thing shall I do, that I may have eternal life? And he said unto him, Why callest thou me good? there is none good but one, that is, God: but if thou wilt enter into life, keep the commandments. He saith unto him, Which? Jesus said, Thou shalt do no murder, Thou shalt not commit adultery, Thou shalt not steal, Thou shalt not bear false witness, Honour thy father and thy mother: and, Thou shalt love thy neighbour as thyself.

Matthew 22:14
For many are called, but few are chosen.

Matthew 24:13
But he that shall endure unto the end, the same shall be saved.

Mark 4:14-19
The sower sows the word. And these are the ones along the path, where the word is sown; when they hear, Satan immediately comes and takes away the word which is sown in them. And these in like manner are the ones sown upon rocky ground, who, when they hear the word, immediately receive it with joy; and they have no root in themselves, but endure for a while; then, when tribulation or persecution arises on account of the word, immediately they fall away. And others are the ones sown among thorns; they are those who hear the word, but the cares of the world, and the delight in riches, and the desire for other things, enter in and choke the word, and it proves unfruitful.

John 15:6
If a man does not abide in me, he is cast forth as a branch and withers; and the branches are gathered, thrown into the fire and burned.

John 3:1-7
Now there was a man of the Pharisees named Nicodemus, a member of the Jewish ruling council. He came to Jesus at night and said, "Rabbi, we know you are a teacher who has come from God. For no one could perform the miraculous signs you are doing if God were not with him." In reply Jesus declared, "I tell you the truth, no one can see the kingdom of God unless he is born again." "How can a man be born when he is old?" Nicodemus asked. "Surely he cannot enter a second time into his mother's womb to be born!" Jesus answered, "I tell you the truth, no one can enter the kingdom of God unless he is born of water and the Spirit [Baptism]. You should not be surprised at my saying, `You must be born again.' [This entire chapter is about baptizing, John the Baptist, "ceremonial washing", etc.]

John 3:16
For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.

John 5:28-29
Marvel not at this: for the hour is coming, in the which all that are in the graves shall hear his voice, And shall come forth; they that have done good, unto the resurrection of life; and they that have done evil, unto the resurrection of damnation.

Romans 2:6
God will render to every man according to his WORKS.

Romans 2:13
For not the hearers of the law are just before God, but the DOERS of the law shall be justified.

Romans 8:17
And if children, then heirs; heirs of God, and joint-heirs with Christ; if so be that we suffer with him, that we may be also glorified together.

Romans 8:29-30
For whom he did foreknow, he also did predestinate to be conformed to the image of his Son, that he might be the firstborn among many brethren. Moreover whom he did predestinate, them he also called: and whom he called, them he also justified: and whom he justified, them he also glorified. [Note that the verbs here are in the past tense; Paul is undoubtedly referring to those who've died in a state of grace and whose justification and santification have been completed. And don't read this verse out of context of the one that came 12 verses before it -- Romans 8:17, which says that our glorification depends on our suffering along with Christ, and Matthew 22:14 that says "For many are called, but few are chosen." Being "called" doesn't mean automatic justification.]

Romans 9:15
For he saith to Moses, I will have mercy on whom I will have mercy, and I will have compassion on whom I will have compassion.

Romans 10:9-10
That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation.

Romans 11:17-23
And if some of the branches be broken off, and thou, being a wild olive tree, wert grafted in among them, and with them partakest of the root and fatness of the olive tree; Boast not against the branches. But if thou boast, thou bearest not the root, but the root thee. Thou wilt say then, The branches were broken off, that I might be grafted in. Well; because of unbelief they were broken off, and thou standest by faith. Be not highminded, but fear: For if God spared not the natural branches, take heed lest he also spare not thee. Therefore consider the goodness and severity of God: on those who fell, severity; but toward you, goodness, if you continue in His goodness. Otherwise you also will be cut off. And they also, if they abide not still in unbelief, shall be grafted in: for God is able to graff them in again. [In other words, you're "grafted in," a part of the New Covenant -- but don't brag because you can be cut off]

1 Corinthians 6:9
Know ye not that the unrighteous shall not inherit the kingdom of God? Be not deceived: neither fornicators, nor idolaters, nor adulterers, nor effeminate, nor abusers of themselves with mankind [It doesn't say "unless these people have had the experiences of "feeling saved" or having been born again.]

1 Corinthians 9:27
But I keep under my body, and bring it into subjection: lest that by any means, when I have preached to others, I myself should be a castaway. [Even Paul wasn't sure of his own salvation!]

I Corinthians 10:8-12
Neither let us commit fornication, as some of them committed, and fell in one day three and twenty thousand. Neither let us tempt Christ, as some of them also tempted, and were destroyed of serpents. Neither murmur ye, as some of them also murmured, and were destroyed of the destroyer. Now all these things happened unto them for examples: and they are written for our admonition, upon whom the ends of the world are come. Wherefore let him that thinketh he standeth take heed lest he fall. [NIV: "So, if you think you are standing firm, be careful that you don't fall!"]

I Corinthians 13:2
If I have the gift of prophecy and can fathom all mysteries and all knowledge, and if I have a faith that can move mountains, but have not love, I am nothing.

1 Corinthians 13:13
And now abideth faith, hope, charity, these three; but the greatest of these is charity. [Charity is greater than Faith!]

Galatians 5:19-21
Now the works of the flesh are manifest, which are these; Adultery, fornication, uncleanness, lasciviousness, Idolatry, witchcraft, hatred, variance, emulations, wrath, strife, seditions, heresies, Envyings, murders, drunkenness, revellings, and such like: of the which I tell you before, as I have also told you in time past, that they which do such things shall not inherit the kingdom of God.

Galatians 5:4
You have become estranged from Christ, you who attempt to be justified by law; you have fallen from grace.

Galatians 5:6
For in Jesus Christ neither circumcision availeth any thing, nor uncircumcision; but faith which WORKETH BY LOVE.

Ephesians 2:8-9
For BY grace are ye saved THROUGH faith; and that not of yourselves: it is the gift of God: Not of works, lest any man should boast.

Phillipians 2:12
Wherefore, my beloved, as ye have always obeyed, not as in my presence only, but now much more in my absence, work out your own salvation with fear and trembling.

Colossians 1:23-24
If ye continue in the faith grounded and settled, and be not moved away from the hope of the gospel, which ye have heard, and which was preached to every creature which is under heaven; whereof I Paul am made a minister; Who now rejoice in my sufferings for you, and fill up that which is behind of [lacking in] the afflictions of Christ in my flesh for his body's sake, which is the church. [the NKJV and the NIV translate this last part accurately as: "and I fill up in my flesh what is still lacking in regard to Christ's afflictions, for the sake of his body, which is the church."]

1 Thessalonians 1:3
Remembering without ceasing your WORK OF FAITH, and LABOUR OF LOVE, and patience of hope in our Lord Jesus Christ, in the sight of God and our Father;

2 Thessalonians 1:11
Wherefore also we pray always for you, that our God would count you worthy of this calling, and fulfil all the good pleasure of his goodness, and the WORK OF FAITH with power:

1 Timothy 5:8
But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel. [RSV: "...worse than an unbeliever." What is being said here is that "believing" is not enough!]

1 Timothy 6:17-19
Charge them that are rich in this world, that they be not highminded, nor trust in uncertain riches, but in the living God, who giveth us richly all things to enjoy; That they do good, that they be rich in good works, ready to distribute, willing to communicate; Laying up in store for themselves a good foundation against the time to come, that they may lay hold on eternal life.

2 Timothy 2:12
If we endure, we shall also reign with him; if we deny him, he also will deny us.

Hebrews 6:4-6
For it is impossible for those who were once enlightened, and have tasted the heavenly gift, and have become partakers of the Holy Spirit, and have tasted the good word of God and the powers of the age to come, if they fall away, to renew them again to repentance, since they crucify again for themselves the Son of God, and put Him to an open shame.

Hebrews 10:26-29
For if we sin wilfully after that we have received the knowledge of the truth, there remaineth no more sacrifice for sins, But a certain fearful looking for of judgment and fiery indignation, which shall devour the adversaries. He that despised Moses' law died without mercy under two or three witnesses: Of how much sorer punishment, suppose ye, shall he be thought worthy, who hath trodden under foot the Son of God, and hath counted the blood of the covenant, wherewith he was sanctified, an unholy thing, and hath done despite unto the Spirit of grace?

2 Peter 2:20-21
For if after they have escaped the pollutions of the world through the knowledge of the Lord and Saviour Jesus Christ, they are again entangled therein, and overcome, the latter end is worse with them than the beginning. For it had been better for them not to have known the way of righteousness, than, after they have known it, to turn from the holy commandment delivered unto them. [the Greek word for knowledge here is epignosei, which means a knowledge from experience, not just intellectual knowledge, which would be oida. In other words, the people being talked about here "knew Christ", they had a "personal encounter with Christ" and had the experience of "getting saved"; they didn't just simply "know of Him."]

2 Peter 3:17-18
...beware lest you also fall from your own steadfastness, being led away with the error of the wicked; but grow in the grace and knowledge of our Lord and Savior Jesus Christ. To Him be the glory both now and forever.

1 John 2:24
Let that therefore abide in you, which ye have heard from the beginning. If that which ye have heard from the beginning shall remain in you, ye also shall continue in the Son, and in the Father. [in other words, it is possible not continue in the Father and the Son; it is possible to fall away]

James 1:21-27
Wherefore lay apart all filthiness and superfluity of naughtiness, and receive with meekness the engrafted word, which is able to save your souls. But BE YE DOERS OF THE WORD, and not hearers only, deceiving your own selves. For if any be a hearer of the word, and not a doer, he is like unto a man beholding his natural face in a glass: For he beholdeth himself, and goeth his way, and straightway forgetteth what manner of man he was. But whoso looketh into the perfect law of liberty, and continueth therein, he being not a forgetful hearer, but a doer of the work, this man shall be blessed in his deed. If any man among you seem to be religious, and bridleth not his tongue, but deceiveth his own heart, this man's religion is vain. Pure religion and undefiled before God and the Father is this, To visit the fatherless and widows in their affliction, and to keep himself unspotted from the world.

James 2:14-26
What doth it profit, my brethren, though a man say he hath faith, and have not works? can faith save him? If a brother or sister be naked, and destitute of daily food, And one of you say unto them, Depart in peace, be ye warmed and filled; notwithstanding ye give them not those things which are needful to the body; what doth it profit? Even so faith, if it hath not works, is dead, being alone. Yea, a man may say, Thou hast faith, and I have works: shew me thy faith without thy works, and I will shew thee my faith by my works. Thou believest that there is one God; thou doest well: the devils also believe, and tremble. But wilt thou know, O vain man, that faith without works is dead? Was not Abraham our father justified by works, when he had offered Isaac his son upon the altar? Seest thou how faith wrought with his works, and by works was faith made perfect? And the scripture was fulfilled which saith, Abraham believed God, and it was imputed unto him for righteousness: and he was called the Friend of God. Ye see then how that by works a man is justified, and not by faith only. Likewise also was not Rahab the harlot justified by works, when she had received the messengers, and had sent them out another way? For as the body without the spirit is dead, so FAITH WITHOUT WORKS IS DEAD ALSO.

James 5:20
Let him know, that he which converteth the sinner from the error of his way shall save a soul from death, and shall hide a multitude of sins.

Temporal and Eternal Salvation Important article on Protestant and Catholic uses of term "faith"
Righteousness and Merit another article highlighting the differences in Catholic and Protestant language
Justification by Faith Alone
Justification in James 2
Salvation Past, Present and Future
Resisting and Cooperating with God
Are all Christians Predestined to Persevere?
The Evangelical notion that Christians can't lose their salvation is unbiblical

Salvation by grace by believing

John 1:10-13 He was in the world, and the world was made through him, yet the world did not know him. He came to his own, and his own people did not receive him. But to all who did receive him, who believed in his name, he gave the right to become children of God, who were born, not of blood nor of the will of the flesh nor of the will of man, but of God.

John 3:14-18 And as Moses lifted up the serpent in the wilderness, so must the Son of Man be lifted up, that whoever believes in him may have eternal life. “For God so loved the world, that he gave his only Son, that whoever believes in him should not perish but have eternal life. For God did not send his Son into the world to condemn the world, but in order that the world might be saved through him. Whoever believes in him is not condemned, but whoever does not believe is condemned already, because he has not believed in the name of the only Son of God.

John 5:24 Truly, truly, I say to you, whoever hears my word and believes him who sent me has eternal life. He does not come into judgment, but has passed from death to life.

John 6:40 For this is the will of my Father, that everyone who looks on the Son and believes in him should have eternal life, and I will raise him up on the last day.”

John 11:25-26 Jesus said to her, “I am the resurrection and the life. Whoever believes in me, though he die, yet shall he live, and everyone who lives and believes in me shall never die. Do you believe this?”

Acts 16:27-31 When the jailer woke and saw that the prison doors were open, he drew his sword and was about to kill himself, supposing that the prisoners had escaped. But Paul cried with a loud voice, “Do not harm yourself, for we are all here.” And the jailer called for lights and rushed in, and trembling with fear he fell down before Paul and Silas. Then he brought them out and said, “Sirs, what must I do to be saved?” And they said, “Believe in the Lord Jesus, and you will be saved, you and your household.”

Romans 3:20-30 For by works of the law no human being will be justified in his sight, since through the law comes knowledge of sin. But now the righteousness of God has been manifested apart from the law, although the Law and the Prophets bear witness to it—the righteousness of God through faith in Jesus Christ for all who believe. For there is no distinction: for all have sinned and fall short of the glory of God, and are justified by his grace as a gift, through the redemption that is in Christ Jesus, whom God put forward as a propitiation by his blood, to be received by faith. This was to show God's righteousness, because in his divine forbearance he had passed over former sins. It was to show his righteousness at the present time, so that he might be just and the justifier of the one who has faith in Jesus.

Then what becomes of our boasting? It is excluded. By what kind of law? By a law of works? No, but by the law of faith. For we hold that one is justified by faith apart from works of the law. Or is God the God of Jews only? Is he not the God of Gentiles also? Yes, of Gentiles also, since God is one—who will justify the circumcised by faith and the uncircumcised through faith.

Romans 4:1-25 What then shall we say was gained by Abraham, our forefather according to the flesh? For if Abraham was justified by works, he has something to boast about, but not before God. For what does the Scripture say? “Abraham believed God, and it was counted to him as righteousness.” Now to the one who works, his wages are not counted as a gift but as his due. And to the one who does not work but believes in him who justifies the ungodly, his faith is counted as righteousness, just as David also speaks of the blessing of the one to whom God counts righteousness apart from works: “Blessed are those whose lawless deeds are forgiven, and whose sins are covered; blessed is the man against whom the Lord will not count his sin.”

Is this blessing then only for the circumcised, or also for the uncircumcised? For we say that faith was counted to Abraham as righteousness. How then was it counted to him? Was it before or after he had been circumcised? It was not after, but before he was circumcised. He received the sign of circumcision as a seal of the righteousness that he had by faith while he was still uncircumcised. The purpose was to make him the father of all who believe without being circumcised, so that righteousness would be counted to them as well, and to make him the father of the circumcised who are not merely circumcised but who also walk in the footsteps of the faith that our father Abraham had before he was circumcised.

For the promise to Abraham and his offspring that he would be heir of the world did not come through the law but through the righteousness of faith. For if it is the adherents of the law who are to be the heirs, faith is null and the promise is void. For the law brings wrath, but where there is no law there is no transgression. That is why it depends on faith, in order that the promise may rest on grace and be guaranteed to all his offspring—not only to the adherent of the law but also to the one who shares the faith of Abraham, who is the father of us all, as it is written, “I have made you the father of many nations”—in the presence of the God in whom he believed, who gives life to the dead and calls into existence the things that do not exist. In hope he believed against hope, that he should become the father of many nations, as he had been told, “So shall your offspring be.” He did not weaken in faith when he considered his own body, which was as good as dead (since he was about a hundred years old), or when he considered the barrenness of Sarah's womb. No unbelief made him waver concerning the promise of God, but he grew strong in his faith as he gave glory to God, fully convinced that God was able to do what he had promised. That is why his faith was “counted to him as righteousness.” But the words “it was counted to him” were not written for his sake alone, but for ours also. It will be counted to us who believe in him who raised from the dead Jesus our Lord, who was delivered up for our trespasses and raised for our justification.

Romans 5:1-2 Therefore, since we have been justified by faith, we have peace with God through our Lord Jesus Christ. Through him we have also obtained access by faith into this grace in which we stand, and we rejoice in hope of the glory of God.

Romans 5:9 Since, therefore, we have now been justified by his blood, much more shall we be saved by him from the wrath of God.

Romans 10:9-13 because, if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For with the heart one believes and is justified, and with the mouth one confesses and is saved. For the Scripture says, “Everyone who believes in him will not be put to shame.” For there is no distinction between Jew and Greek; for the same Lord is Lord of all, bestowing his riches on all who call on him. For “everyone who calls on the name of the Lord will be saved.”

2 Corinthians 5:17-21 Therefore, if anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come. All this is from God, who through Christ reconciled us to himself and gave us the ministry of reconciliation; that is, in Christ God was reconciling the world to himself, not counting their trespasses against them, and entrusting to us the message of reconciliation. Therefore, we are ambassadors for Christ, God making his appeal through us. We implore you on behalf of Christ, be reconciled to God. For our sake he made him to be sin who knew no sin, so that in him we might become the righteousness of God.

Galatians 2:15-21 We ourselves are Jews by birth and not Gentile sinners; yet we know that a person is not justified by works of the law but through faith in Jesus Christ, so we also have believed in Christ Jesus, in order to be justified by faith in Christ and not by works of the law, because by works of the law no one will be justified.

But if, in our endeavor to be justified in Christ, we too were found to be sinners, is Christ then a servant of sin? Certainly not! For if I rebuild what I tore down, I prove myself to be a transgressor. For through the law I died to the law, so that I might live to God. I have been crucified with Christ. It is no longer I who live, but Christ who lives in me. And the life I now live in the flesh I live by faith in the Son of God, who loved me and gave himself for me. I do not nullify the grace of God, for if righteousness were through the law, then Christ died for no purpose.

Galatians 3:1-29 O foolish Galatians! Who has bewitched you? It was before your eyes that Jesus Christ was publicly portrayed as crucified. Let me ask you only this: Did you receive the Spirit by works of the law or by hearing with faith? Are you so foolish? Having begun by the Spirit, are you now being perfected by the flesh? Did you suffer so many things in vain—if indeed it was in vain? Does he who supplies the Spirit to you and works miracles among you do so by works of the law, or by hearing with faith— just as Abraham “believed God, and it was counted to him as righteousness”?

Know then that it is those of faith who are the sons of Abraham. And the Scripture, foreseeing that God would justify the Gentiles by faith, preached the gospel beforehand to Abraham, saying, “In you shall all the nations be blessed.” So then, those who are of faith are blessed along with Abraham, the man of faith.

For all who rely on works of the law are under a curse; for it is written, “Cursed be everyone who does not abide by all things written in the Book of the Law, and do them.” Now it is evident that no one is justified before God by the law, for “The righteous shall live by faith.” But the law is not of faith, rather “The one who does them shall live by them.” Christ redeemed us from the curse of the law by becoming a curse for us—for it is written, “Cursed is everyone who is hanged on a tree”— so that in Christ Jesus the blessing of Abraham might come to the Gentiles, so that we might receive the promised Spirit through faith.

To give a human example, brothers: even with a man-made covenant, no one annuls it or adds to it once it has been ratified. Now the promises were made to Abraham and to his offspring. It does not say, “And to offsprings,” referring to many, but referring to one, “And to your offspring,” who is Christ. This is what I mean: the law, which came 430 years afterward, does not annul a covenant previously ratified by God, so as to make the promise void. For if the inheritance comes by the law, it no longer comes by promise; but God gave it to Abraham by a promise.

Why then the law? It was added because of transgressions, until the offspring should come to whom the promise had been made, and it was put in place through angels by an intermediary. Now an intermediary implies more than one, but God is one.

Is the law then contrary to the promises of God? Certainly not! For if a law had been given that could give life, then righteousness would indeed be by the law. But the Scripture imprisoned everything under sin, so that the promise by faith in Jesus Christ might be given to those who believe.

Now before faith came, we were held captive under the law, imprisoned until the coming faith would be revealed. So then, the law was our guardian until Christ came, in order that we might be justified by faith. But now that faith has come, we are no longer under a guardian, for in Christ Jesus you are all sons of God, through faith. For as many of you as were baptized into Christ have put on Christ. There is neither Jew nor Greek, there is neither slave nor free, there is no male and female, for you are all one in Christ Jesus. And if you are Christ's, then you are Abraham's offspring, heirs according to promise.

Ephesians 2:1-10And you were dead in the trespasses and sins in which you once walked, following the course of this world, following the prince of the power of the air, the spirit that is now at work in the sons of disobedience— among whom we all once lived in the passions of our flesh, carrying out the desires of the body and the mind, and were by nature children of wrath, like the rest of mankind.

But God, being rich in mercy, because of the great love with which he loved us, even when we were dead in our trespasses, made us alive together with Christ—by grace you have been saved— and raised us up with him and seated us with him in the heavenly places in Christ Jesus, so that in the coming ages he might show the immeasurable riches of his grace in kindness toward us in Christ Jesus. For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, not a result of works, so that no one may boast. For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.

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