Catholics make works the means of salvation. The Reformed and others make works the effect of salvation. It's about works VS grace.
Works alone cannot save!
Redemption: 100 percent the work of God, thru the life, death, resurrection, and ascension of Jesus Christ!
Justification: our acceptance of redemption thru faith and baptism! Become a disciple and member of Christ and His Church!
Sanctification: the life of grace, virture, and good works, the just living by faith, and faith working thru love!
Salvation: a christian in the state if grace at the moment of death we enter into the salvation of the Lord!