Under Israel's gospel of the kingdom, rewards are intricately linked to salvation, to be saved from hell, you need to do good works together with believing, and you will receive both salvation and rewards, as Jesus explained in the parable of the sheep and the goats.
Under the gospel of grace given to Paul for us in the body of Christ, salvation is a free gift, that is by belief apart from works. (Romans 4:5). But rewards are still based on good works (1 Cor 3). So in this case, salvation is separated from rewards.
So yes, under that gospel, we would probably see many Christians in the bema seat of Christ only with salvation but very little rewards, which will certainly be an embarassment. (1 Cor 3:15)
2:18 Yea, a man may say, Thou hast faith, and I have works: show me thy faith without thy works, and I will show thee my faith by my works.
2:19 Thou believest that there is one God; thou doest well: the devils also believe, and tremble.
2:20 But wilt thou know, O vain man, that faith without works is dead?
2:21 Was not Abraham our father justified by works, when he had offered Isaac his son upon the altar?
2:22 Seest thou how faith wrought with his works, and by works was faith made perfect?
2:23 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.
2:24 Ye see then how that by works a man is justified, and not by faith only.
2:25 Likewise also was not Rahab the harlot justified by works, when she had received the messengers, and had sent [them] out another way?
2:26 For as the body without the spirit is dead, so faith without works is dead also. If GOD saved one different than another THEN THAT would be RESPECT OF PERSONS, AND that is CALLED SIN IN the BIBLE, And GOD don't lie or SIN.
Abraham was saved by Faith, just like us, But if he had not done what GOD told HIM TO, then he wouldn't have been SAVED, GOD is not talking about JUST believing, GOD IS TALKING ABOUT A FAITH THAT WORKS, FATH WITHOUT WORKS IS DEAD,