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Here is a more thorough explanation:

"As Catholics we believe that we are saved by God’s grace alone. We can do nothing, apart from God’s grace, to receive the free gift of salvation. We also believe, however, that we have to respond to God’s grace. Protestants believe that, too. However, many Protestants believe that the only response necessary is an act of faith; whereas, Catholics believe a response of faith and works is necessary…or, as the Bible puts it in Galatians 5:6, “For in Christ Jesus neither circumcision nor uncircumsion is of any avail, but faith working through love…” Faith working through love…just as the Church teaches."

https://www.catholicscomehome.org/your-questions/church-teachings/salvation/