The most crucial problem with the Roman Catholic church is its belief that faith in Christ alone for salvation is not sufficient for salvation. The Bible clearly and consistently states that receiving Jesus Christ by grace through faith, grants salvation (John 1:12; 3:16,18,36; Acts 10:43; 13:39; 16:31; Romans 1:16; 3:24-28; 4:5; Ephesians 2:8-9 etc..). The Roman Catholic church rejects this. The official position of the Roman Catholic church is that a person must believe in Jesus Christ AND be baptized AND receive the Eucharist along with the other sacraments AND obey the decrees of the Roman Catholic Church AND perform meritorious works AND not die with any mortal sins AND etc., etc., etc. Catholic divergence from the Bible on this most crucial of issues, salvation, means that yes, Catholicism is a flawed religion. If a person believes only what the Catholic church officially teaches in regards to the plan of salvation, he/she will not be saved. Any claim that works or rituals must be added to faith in order for salvation to be received is a claim that Christ's finished work of redemption was not sufficient to fully purchase our salvation.
While salvation by faith is the most crucial issue, in comparing Roman Catholicism with the Word of God, there are many other differences and contradictions as well. The Roman Catholic church teaches many doctrines that are in disagreement with what the Bible declares. These include apostolic succession, prayer to saints or Mary, the papacy, infant baptism, transubstantiation, plenary indulgences, the sacramental system, and purgatory. While Catholics claim Scriptural support for these concepts, none of these teachings have any solid foundation in the clear teaching of Scripture. These concepts are based on Catholic tradition, not the Word of God. In fact, they all clearly contradict Biblical principles.
In regards to the question “Are Roman Catholics saved?”, it is impossible to give a universal statement on the salvation of all members of any particular church. Not ALL Baptists are saved. Not ALL Presbyterians are saved. Not ALL Lutherans are saved. Salvation is determined by personal faith in Jesus alone for salvation, not by titles or denominational identification. Despite the unbiblical beliefs and practices of the Roman Catholic church, there may be Roman Catholics who have genuinely placed their faith in Jesus Christ alone for salvation. However, these Catholic Christians are believers DESPITE what the Catholic church teaches, not because of what it teaches. These people may remain in the Catholic church out of ignorance of what the Catholic Church truly stands for, out of family tradition and peer pressure, or out of a desire to reach other Catholics for Christ.
At the same time, the Catholic church also leads many people away from a genuine saving faith in Christ. The unbiblical beliefs and practices of the Roman Catholic church have often given the enemies of Christ opportunity to blaspheme. The Roman Catholic church is not the church that Jesus Christ established. It is not a church that is based on the teachings of the Apostles (as described in the Book of Acts and the New Testament epistles). While Jesus’ words in Mark 7:9 were directed towards the Pharisees, they accurately describe the Roman Catholic church as well, “You have a fine way of setting aside the commands of God in order to observe your own traditions!”