Let $k$ be a field. Does the fully faithful inclusion from $k$-algebras to dg-$k$-agebras concentrated in cohomological degrees $\leq 0$ $$\operatorname{Alg}_k\hookrightarrow\operatorname{dgAlg}_k^{\leq 0}$$ satisfy a simple universal property? Or, in the same vein, can we obtain the $\infty$-category of dg-$k$-algebras by applying some formal categorical procedure to the category of $k$-algebras? Note that $\operatorname{Alg}_k$ and $\operatorname{dgAlg}_k^{\leq 0}$ are the categories of algebra objects in the symmetric monoidal ($\infty$-)categories of vector spaces over $k$ and chain complexes over $k$, respectively.
Here is a first attempt which is probably too naive. Consider the Yoneda embedding of $\operatorname{Alg}_k$ into $\operatorname{Fun}((\operatorname{Alg}_k)^{\mathrm{op}},\mathrm{Set})$. Now further compose with the full faithful inclusion of $\mathrm{Set}$ into $\mathcal S$ (the $\infty$-category of spaces). We thus have an embedding $$\operatorname{Alg}_k\hookrightarrow\operatorname{Fun}((\operatorname{Alg}_k)^{\mathrm{op}},\mathrm{Set})\hookrightarrow\operatorname{Fun}((\operatorname{Alg}_k)^{\mathrm{op}},\mathcal S).$$ Now consider the full subcategory of $\operatorname{Fun}((\operatorname{Alg}_k)^{\mathrm{op}},\mathcal S)$ spanned by colimits of (images of) objects of $\operatorname{Alg}_k$. Geometrically, we are considering affine $k$-schemes and formally adjoining (homotopy) limits. Is this full subcategory equivalent to $\operatorname{dgAlg}_k^{\leq 0}$? Obviously there is going to be an enrichment issue: instead of $\mathcal S$, we should consider chain complexes over $k$, or instead of (dg-)$k$-algebras we should consider rings and $E_\infty$ ring spaces. Is it true modulo this issue?