Many Protestants assume that Catholics teach that you need faith and works to be saved. Catholics, similarly, often assume that Protestants teach that works are irrelevant to salvation. The reality for both is more nuanced.
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Reformation
Both Catholics and Protestants see Jesus as central to forgiveness and salvation. They differ, though, in their understanding of what we can contribute to our salvation and forgiveness. Does Jesus pay the bill, or does He ask us to split it with Him?
The first place to start in understanding how Catholics and Protestants differ is in how they view the Bible. Catholicism teaches that Scripture and Tradition have equal authority while the Protestant church has held that the Bible is the only authoritative standard by which everything else is judged. This is the difference behind all the other differences.