Just as Gr8 stated in his OP, in my opinion, the differences between salvation and the rewards/treasures laid up in heaven in living out our faith, are distinct and they are manifold.
[TABLE="width: 600"]
[TR]
[TD]Salvation[/TD]
[TD]Rewards[/TD]
[/TR]
[TR]
[TD]Salvation is free, and can't be earned
[/TD]
[TD]Rewards are earned by giving faithful service[/TD]
[/TR]
[TR]
[TD]Salvation is not deserved[/TD]
[TD]Rewards are something the believer deserves for ministry and service[/TD]
[/TR]
[TR]
[TD]Salvation is not given, nor "kept," by works[/TD]
[TD]Rewards are given on the basis of the believer's good works[/TD]
[/TR]
[TR]
[TD]Salvation is a present possession -- we have it now[/TD]
[TD]Rewards are a future possession -- given in heaven[/TD]
[/TR]
[TR]
[TD]Salvation cannot be lost[/TD]
[TD]Rewards can be lost (2 John 8; Revelation 3:11)[/TD]
[/TR]
[TR]
[TD]The focus of salvation is sin -- a problem we can't solve[/TD]
[TD]The focus of rewards are on service, our responsibility[/TD]
[/TR]
[TR]
[TD]Salvation is possessing Christ[/TD]
[TD]Rewards are possession of crowns[/TD]
[/TR]
[TR]
[TD]The sinner coming to Christ hears "It is finished!"[/TD]
[TD]The saint coming to rewards hears "Well done!"[/TD]
[/TR]
[TR]
[TD]Salvation is received once, at a point in time[/TD]
[TD]Rewards are earned through a lifetime of believing and serving[/TD]
[/TR]
[TR]
[TD]Salvation is based on what Christ alone has done[/TD]
[TD]Rewards are based on what we, as believers, have done[/TD]
[/TR]
[TR]
[TD]Salvation is based on faith alone, through God's grace alone[/TD]
[TD]Rewards are based on man's faithfulness to his belief[/TD]
[/TR]
[TR]
[TD]Salvation is based on the answer to "Have you believed in Christ?"[/TD]
[TD]Rewards are based on the answer to "Have you abided in Christ??[/TD]
[/TR]
[TR]
[TD]Salvation always involves God's approval of a sinner's sincerity in confessing Christ[/TD]
[TD]Rewards may depend on God's disapproval of the saint's faithfulness[/TD]
[/TR]
[TR]
[TD]All believers share the same salvation[/TD]
[TD]Each believer has different rewards[/TD]
[/TR]
[TR]
[TD]Judgment regarding salvation took place on the cross[/TD]
[TD]Judgment regarding rewards will take place in heaven[/TD]
[/TR]
[TR]
[TD]Salvation costs the believer nothing[/TD]
[TD]Rewards cost the believer a lifetime of service[/TD]
[/TR]
[TR]
[TD]Salvation occurs at the same time as justification[/TD]
[TD]Rewards are received at the time of glorification[/TD]
[/TR]
[TR]
[TD]We show our gratitude for salvation by faithful service[/TD]
[TD]We show our gratitude for rewards by casting our crowns at Jesus' feet[/TD]
[/TR]
[/TABLE]