And as collegemon3717 said, this won’t mean much at top colleges.
Whether it’s “worth” applying depends on your perception of the time involved in filling out applications, writing essays, etc. While it’s true your chance is higher by applying than by not applying, a 2.8 will be a challenge at any USNews Top 50 National University (as a proxy for “T50”).
Not that I fully trust their data, but if I filter the USNews National Universities by GPA, I have to go up to a 3.4 to get an entry in the top 100. 3.6 breaks into the top 50.
Standardized test scores, ECs, etc., all go into an admissions decision, so stength in those areas helps. But GPA/course rigor is the #1 factor in admissions.