You have taken one verse out of context from the rest of the chapter otherwise scripture contradicts itself and we know that it doesn’t. So here goes, minus fancy colors and bold letters.
The context is that first there is faith and then follows works. They do not happen simultaneously. Faith is given as a result of believing the Gospel and giving our wills to God. Grace, faith, salvation come as free gifts. From that rebirth we grow in our salvation as evidenced by works, and fruits. James challenged that church to repent of hypocrisy in giving preference to the rich. He challenged them by saying that if their claim of faith is true they should be demonstrating growth as evidenced by works of regarding every believer the same.
One chooses Christ by believing the gospel. Grace, faith, and salvation follow.
*6 What good is it, my brothers, if someone says he has faith but does not have works? Can that faith save him?
15
If a brother or sister has nothing to wear and has no food for the day,
16
and one of you says to them, “Go in peace, keep warm, and eat well,” but you do not give them the necessities of the body, what good is it?
17
So also faith of itself, if it does not have works, is dead.
18
Indeed someone might say, “You have faith and I have works.” Demonstrate your faith to me without works, and I will demonstrate my faith to you from my works.
19
You believe that God is one. You do well. Even the demons believe that and tremble.
20
Do you want proof, you ignoramus, that faith without works is useless?
21
Was not Abraham our father justified by works when he offered his son Isaac upon the altar?
22
You see that faith was active along with his works, and faith was completed by the works.
23
Thus the scripture was fulfilled that says, “Abraham believed God, and it was credited to him as righteousness,” and he was called “the friend of God.”
24
See how a person is justified by works and not by faith alone.
25
And in the same way, was not Rahab the harlot also justified by works when she welcomed the messengers and sent them out by a different route?
26
For just as a body without a spirit is dead, so also faith without works is dead. *
(James 2:16-26)
And I have done my homework. It turns out that I’ve been mistaken. In the CCC, it claims that the Catholic Church teaches that Faith is both a divine grace and a human act. So, I’ll stick with the Church. Thank you for helping inspire my study into this matter.